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short-term needs (social events (weddings, family gatherings, birthdays,…
short-term needs
social events
weddings
family gatherings
birthdays
baby shower
graduation
gender reveal
emergencies
unemployment
sickness
accident
death in the family
major purchases
car
major appliances
furniture
remodeling
repairs
car
appliances
plumbing
vacations
short weekend trips
longer excursions