Umm, I'm pretty much don't have debt. I don't have college loans and about the only thing that I owe $ on is my mortgage, which my wife and I are paying more than enough every month. The lottery is always an option, but that's just a tax on the stupid. Since I don't have uncontrollable debt I make it a point to put a lot into savings. About half of my paychecks go into savings. Seems like a good idea to me. Also, I hardly ever use my credit card. That's just how I roll.
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