Also restaurants in the USA are a broad range of places, many of which are dirt cheap...
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also do none of his friends have mortgages or
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Dave Ramsey officially says mortgages don't count as debt for the purpose of being "debt-free", for handwavy reasons
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I’ve noticed that certain loan companies that may or may not be named FedLoan don’t like to put people in PAYE or RPAYE. They’re all about the bigger monthly payments to them
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