# What is the real problem, as opposed to being an offshoot of that problem?

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What is the real problem, as opposed to being an offshoot of that problem?

a. Your bank charges a $40 fee for overdrafts. b. You wrote a check at the grocery store, but did not have the money to cover it. c. Every month, you spend more money than you earn. d. Last month, you paid$120 in overdraft charges to your bank.

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c. Every month, you spend more money than you earn.