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First, I sold a home in Florida, took back a mortgage


I have capital gains in the forms of dividends as well as sales of stock.

Good for you. Doesn't look to me like your are destitute by any means.

and am saving money for a new car. (Always pay cash for cars.)

Well, I have a '93 Geo bought used. Wife has a Subaru also bought used. Methinks the lady doth protest too much.
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