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Q: I’ve recently landed a better-paying job and I can now afford the occasional (and not-so-occasional) luxury, but I’m wondering if I should indulge. Am I better off living beneath my means to avoid falling prey to the trap of luxury? Is there a safe way to enjoy the more comfortable lifestyle that I can now afford?

Q: I’m in the market for a new home, and everyone I talk to, from friends to financial advisors, suggest I get preapproved for a mortgage before I start house hunting. Why is this so important?

Q: I graduated college with a huge student loan debt. Since then, I’ve landed a decent job and I’ve been making steady payments toward paying down my loan. Is it possible for me to buy a house while I’m still paying off this debt?