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Seriously, be responsible if for no other reason than your children. Put off getting the Mercedes and the million dollar home until you have the majority of your debt paid off. Sock whatever you can into retirement investments. And why does entering the work force at thirty-five "force" you to want these things? Stop trying to keep up with the Jones'.
I think the only math that needs to be done here is for you to get your priorities straight.
/rant
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Put the blame on me
So you don't feel a thing
Go on and save yourself
Take it out on me
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