On http://www.theatlantic.com/magazine/archive/2016/05/my-secret-shame/476415/ … Where's the "Nobody deserves to die in a car crash, but... wear your seat belt and don't drive drunk" option.
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Part of the reason savings rates are high historically is that, if you depleted them, you literally died in the snow.
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The downside risk to being in financial precarity in the United States is you feel stressed, socially isolated, and embarrassed. Not dead.
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@patio11 not only is it OK, IMO it's kind of essential to learn how to manage debt when you're running a company. You'll go nuts otherwise. -
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