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But that didn’t stop me from mulling over the lessons I want to build on in year two! You can read the full post on the blog: Cents of Joy Year 1 Wrapped: Reflections from my First Year in Business. A Timely Tip: The Mid-Year Check-In If you have federal student loans, this one's worth five minutes. As of July 1, the interest rate reduction for enrolling in autopay jumped from 0.25% to a full 1% and it's retroactive if you're already enrolled. The catch is a deadline: you need to be enrolled in autopay by September 30, 2026, to lock in the reduced rate through June 2028. It applies to Direct Loans issued after July 2012. What I'm Pondering Reading: I just finished the Red Rising series which I started back in December. It’s been a looooong journey. It was darker then my usual read but it was SO good. I’m ready to come up for air and read something new now so send any recs my way! Listening To: This 2015 Interview with the poet Mary Oliver. Following: This weird story about a local grosbeak massacre nearby where I live. Thinking About: I you gave yourself five phone-free days right now, what's the one thing you think you'd actually miss? And what do you think you wouldn't? Quoting: “If this object had poop on it, would I wash it off or throw it away?” (Me all month when packing and trying to decide whether I should keep or get rid of something) Cents of Joy News In the spirit of simplifying rather than adding more options, I've retired the sliding-scale Clarity Hour and replaced it with a limited number of pro bono hours a month instead. You can check that out here! Thank you for reading. If anything here sparked something for you, hit reply and let me know. 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