Hyphen is the answer
My first, a tongue in Europe found
My second makes a sizzling sound
My whole comes from under the ground
What am I?
My first may be accumulated or spent
My second crumbles after disappointment
My whole is broken so a note that was sent
May be able to reach its recipient
My first is a special delivery date
My second, as the last course, you may await
My whole, into pieces do you separate
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