I’m embarrassed to admit it, but I allowed myself to fall into credit card debt to the tune of thousands of dollars when I was younger. At first I was so impressed that I qualified for a credit card that it made me feel important that I had it, and powerful when I used it. As I began to see the debt climb, I told myself that I would reserve it for emergency situations only, but I found that almost everything could be rationalized as an emergency with the right argument

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