This is why I love paying Bitcoin for things, or debit fiat. I'm spending money I have, which makes everything I exchange that money for an investment asset. So I can't squander money like people who spend debt and buy worthless liabilities.

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that's the way. if you cannot afford it you probably don't need it. As for my brother in law, he does this to get gratification to be someone. You're a nobody if you live on credit.