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RE: The System is Rigged Against you ....
Don't buy what you can't afford is the code I live by. I never was one to follow the crowd. I use the credit card for "my" convenience, never pay interest. Raising your standard of living by going into debt is fine till you can't pay the interest.
"You can afford anything, but you can't afford everything"
good for you! If you follow the crowd you will be broke.