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I've known a lot of people in my life that spend every cent they get. they have a nice car, house and everything else and are in debt up to their eyes. If they ever lose their job and are out of work for a few months they are in deep deep trouble.
When I was in retail guys would drive up in their Mercedes with a nice watch and suit and get denied a credit card while a guy in a 10 year old car with overalls and shit on his boots gets a huge line of credit because he doesn't have much debt and saves his money.
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