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I don't know what to say about this thread, but it makes me really nervous for the future. It seems the "spend it now, someone will take care of you later!" mindset is far more prevalent than I thought. I have to say I'm concerned. If you are serious about saving your money, do it 100% of the time. If this is just a thread to get under everyone's skin, well that just sucks.

Mafoo must be turning over in his grave right now.