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Nope

Nope, I bought my home back in '94 at the age of 23. It sounds like I made better choices on how to live my life then you did. I have 8% of every paycheck go into my 401k, have another chunk automatically drafted and put into a savings account, so I save plenty. Be it never reaching my hands I don't have the temptation to go buy that big TV or other un-necessary stuff. By living in the moment is what put you in this position in the first place. Don't breed what you can't feed.

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