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Four Words: Rich Dad Poor Dad
seize the day and go read that book.
I'm 26, debt free and semi-retired. 4 years ago, I was 80k in the hole.
I don't always recommend the exact steps he outlines (real estate / MLM) but it's the concepts that win the day for you. Going that route lessens the amount of "suffering" outlined in OP.
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-=[ Merlocke ]=-
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