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account accountancy adult analyzing annual anxiety apartment bank bankrupt bankruptcy billing bills bookkeeping broke bureaucracy calculate calculating calculator checking concentration confusion contemplation contract cost counting credit currency deadline debts depressed desperate dissatisfaction document documents effort electricity emotional exhaustion expense fail finance financial frustrated frustration gas heating home insurance investment invoice issue kitchen loneliness man money night paper paperwork pay paying payment person planning poor problem raising report responsibility shock smartphone stress stressed table tariffs tax thoughtful trouble unhappy unpaid using 4k