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Living solely on credit will put her in debt that will take her years and years to get out of. She's better off working a day job and going to night school. She has no kids to raise, I assume from your post, so she doesn't have to worry about the expense of babysitting.
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"The idea that money doesn't buy you happiness is a lie put about by the rich, to stop the poor from killing them." -- Michael Caine
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