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Simple.
1) Spend what you can afford.
2) Never make purchases on credit that you can't pay off at once except for true emergencies, a reasonable house and a small portion of what is an affordable car.
3) Never put a vacation, wedding, or any other function on credit. Doing so is retarded.
4) Limit drug and alcohol consumption and cut out cigarettes.
5) Work as hard as what is reasonable.
6) Fight to keep down costs in your house, community and business
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