by David Powlison and John Yenchko* Do you remember the Fram oil filter commercial on TV a few years back? The mechanic stands between two cars. One car is in for an oil change and routine maintenance; the other is a smoking wreck with a blown engine. “There is the easy way and the hard way to keep your car working,” says the mechanic. “You can pay me now … or you can pay me later.” The cost to you now is only the cost of a
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