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RE: "Remember when you wanted what you currently have!"
That's great @clearbluecrypto. I'm glad you've found some security. I almost had to foreclose on my house in 2013 for the same reasons. I just barely pulled it off. Just make sure you have a plan for the next financial crisis because I really do think it's coming.
Agreed, nothing beets having cash on hand or access to cash. I dont have credit cards, lack of discipline with credit helped to worsen the situation. Thats why i dont have them now.