So, don’t buy that 1/2 million dollar home when you’re 50, signing up for another 30yrs of debt then being surprised your 401k & SS won’t cover that lifestyle. Plan ahead, do the math people.
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Some of this is unpredictable (medical expenses, emergencies etc) But most of it is people just not living within their means. This Country has a HUGE "gotta keep up with the Jonses" attitude.
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