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I owe no one anything. Zilch, zero. I have a couple debit cards with large limits, no credit cards. No car, house loans. All I owe is upcoming utility bills.
Part of this is just living a different lifestyle part is because there is no positive value for money only a negative value. By this I mean cash will earn you virtually no interest but a cash debt still carries high interest charges.
If you have cash then debt/interest is foolish. The best return you can get for cash right now is to never pay interest.
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