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Author notes:

As much as I loathe myself for saying this, I am asking for a favor.

I have calculated my current income and tried to plan for the months ahead. However, I was surprised and scared when I learned that, in January and February of 2024, I may be in deep trouble. Why those two months in particular? Well, it comes down to Vietnam loves freaking extended holidays. On New Year and Tet holidays, banks will take a break at the beginning of the months/holidays. When ...

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