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[–] Tecktonik 0 points 3 points (+3|-0) ago 

I already pay a penalty for having money in the bank in the form of monthly service fees. And who has money in the bank to boost spending, all of my friends are too busy paying down debt to buy anything shiny.

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[–] TiagoTiago ago 

Don't forget inflation.

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[–] WeekendBaker ago 

Have money. Due to paying debt, have no spending money. Same bucket.