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Not trying to be an ass. This is what the interest rates is suppose to do is to curb our spending.
We, and this means myself, my wife and a lot of other people have to learn to change out habits. It's HELLAAAA hard.
No more eating out, no more buying nice things, and learning to shift priorities from premium alcohol back down to just crappy beers.
Those who were not OG doesn't understand the means of roughing it.
Many grew up on $100 dollars on 50GB.. sure...
ubering pho for $25, bubble tea with delivery fees for $9.95....
let's go for happy hour and order 10 beers .....
learn to live within your means and things does change... 1st or 2nd year.. "nah, i'm locked in for my mortgage". Now those friends are sweating bullets as their renewals are coming up ....
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