People really do need to live within their means. It seems like people are obsessed with being in debt. Car payments especially. I hear coworkers talk about how they finally pay off their car. Shortly later, They are buying a new one with a new payment. It’s insanity.
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Many ppl can't live without being in debt though, for example education and health care
LOL, consumer society, brainlessly buying more and more. The worst is phones... just to get the newest tech and feel special I guess...