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He was a well-educated pharmacist, yet couldnt get a job in the last 13 years.

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Though at first this might inspire sympathy, Ramsey had a few key takeaways.

It allows the recipient to avoid responsibility, perpetuatespoor financial habitsand can strain relationships in the long run.

In some cases, financial enabling comes from your own upbringing and what you were taught about money.

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Ramsey says breaking the cycle of enabling starts with having difficult but necessary conversations.

Here are afew key strategieshe recommends.

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