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Mistakes of the poor or mistakes of the undisciplined?

Paying off a credit card on time and taking advantage of the zero-interest period is something that the poor can learn too.

Being poor and being @Undisciplined are likely highly, highly correlated.

sorry, the nym has just been too good for too many puns today

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In my experience they have been

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True... Dude stays poor zapping like he does

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