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Former now for sure, latter many years ago. Only debt I have now is student loans and I only carry them because 3% interest and need something on credit report.
Used to be massively in debt trying to keep up with the Joneses and being a general short sighted idiot. Love the feeling of casting off the chains of debt, will never go back.
Nothing wrong with being in debt though, as long it’s paid back. Being in debt is as American as apple pie.
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