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My savings ran out because I haven't worked for a long time.
My savings ran out because I've been out of business for a long time.

and

My savings ran out because I hadn't worked for a long time.
My savings ran out because I had been out of business for a long time.

For learning: English
Base language: English
Category: Language

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    Best Answer - Chosen by the Asker
    They're all correct, but the implications are different. The first two imply that you're still not working, while in the second two, both events occurred in the past, so you could be back to work.

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