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Never use a credit card for credit. The only kind of credit, or debt, that is acceptable is debt to acquire something whose exchange value is extremely likely to increase, like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.
Simple things should be simple, complex things should be possible.
现实总是比我们对它的任何想法都更加丰富。