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that's rough man, but you sound like you made it out of the worst. i quite often plan worst case scenarios just so i can make sure I'm ready.

most people i know personally are so leveraged with debt that if they lost a job for more than a few months, they'd be getting foreclosed on.

this territory is moderated

I've always been extremely debt adverse. I'm 43, and have never once paid interest on a credit card. The only reason I even use one is to keep my credit score high.

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