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Turk- I max out my 401k at work, I am putting an extra 200 dollars on principle for mortgage to make it a 15 year loan vs 30year. I have a zero balance credit card with 8k limit. But again emergencies like a hurricane I was in once, no debit no credit and no checks. Used cash to get to a town 5 hours away got 2k out to last me 2 weeks at time I didn't know how long
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