Its not an issue of being fortunate, more like being cautious and frugal. Maybe I have some nice things now because I never went into debt. I have friends who are bankers and I'll buy them lunch but regardless of how nice a person they are, I don't want to buy them new office buildings. My newest vehicle is a 94 and I figure its got another 250,000 miles in it. I bought one new car on payments once and it taught me a lesson what with the monthly payments and paying almost 50% more again for the interest by the time you finish. Yes, I know its not the American way, but its what has pushed us into this position as a country and as individuals. Debt is like a sword hanging over your head.
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