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Thanks to his ability converting defeated enemies into money, Naruto didn't really need a nest egg, but it was best to not let anyone know about that part just yet.

"It's OK. I have a lot saved up." Naruto drew out Gama-chan, which was literally stuffed full of Ryo notes, to the point of looking like a balloon, "Besides, better to have it on hand in Konoha than Kami-sama-knows where if ...

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