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What is something you'd gladly go into debt for?
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Nothing. I hate debt. I have a house payment as for me it is a better deal than rent, but i'm not happy. I'll probably get a car loan when the id.buzz comes here, but i'll hate it.
Debt that makes money work for you is okay, but most doesn't do that and is a bad deal. I have no interest in running a business, and if you don't make money because of it, debt cannot work for you. (I.could pay cash for a.tiny home in middle of nowhere places that I prefer not to live)