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I don't spend money I don't have, I've seen first hand what bad credit can do to you. I'd hate to be tied down financially with that kind of a liability.
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"I went shopping last night at like 1am. The place was empty and this old woman just making polite conversation said to me, 'where is everyone??' I replied, 'In bed, same place you and I should be!' Took me ten minutes to figure out why she gave me a dirty look." --Some guy
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