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Sorry, but if you only represent 0.14% of the population, your voice will never be heard.

So when things eventually hit the fan, which person comes out better... Person 1 lives paycheck to paycheck, in debt up to his eyeballs, and makes minimum payments just to get by. Person 2 pays as they go, has no credit card debt, and if an unexpected $500 expense crops up it doesn't really put...