"I gotta manage my money."
"I gotta obey the laws."
"I gotta move to a bigger house."
"I gotta impress my boss."
"I gotta brush my teeth."
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"I have gotta be on time to work."
"I've gotta try harder at school."
"I've gotta tell my wife I'll be late."
"I've gotta learn more about the laws."
"I've gotta clean my house today."