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Smith plays bass guitar and spends lots of time practising and playing local shows with two different bands. Mental Health. And no one ever talks about their kids. For dual-income no-kid couples — commonly referred to as DINKs — their significantly different financial reality needs to be front and centre in these conversations. And is very attached to them. Many financial advisers only work with wealthy clients. The first 20 years of their adult life were spent diligently saving and building up their careers.

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