BC, everything is dire to you. You are flip-flopping with every post.
If you have a good paying job, but want to buy some land, build a house and pay off that 28% credit card balance, you could just save up the money for 30 years first or look into maybe borrowing the money at a good rate.
Which way do you prefer to do it? Virtra is in the same position any of us would be in if we wanted to get our lives moving in a positive direction financially. How many of you like the feeling of living from paycheck to paycheck?
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