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The first one has a condition in the past and a present result. We use it to express
that if something had been different in the past there would be a present result.
The next one has a present condition and a past result. We use it to express that
due to certain present conditions something already happened in the past.
The structure is: if + past simple, would (could, might) have + past
participle.
If I had quit my job I would not have enough money to live in Colombia.
She did not quit her job and she has enough money.
She quit her job and does not have enough money now