"Uhm what if I need it later" what if you used it now?
"Uhm I get interest on my savings account" kill yourself Jew
"Uh my car just exploded so I'm glad I had savings" wouldn't have happened if you spent proactively
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@nierenstein
"i cant afford this" debt is a useful tool
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@theorytoe @nierenstein if you can't afford something without debt you can't afford it period
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text/gemini