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Hi Wannabechef!

The infamous Citibank Evil Empire! Actually, it was quite amusing, as I called them attempting to cancel the account. The "kind people" agreed to lower my interest rate from 15.9% to 6.9% on the existing balance if I didn't cancel. So I said, sure. I'll
pay the card off on July 15th and then cancel anyway. I am so stoked with purpose in relieving myself of these cards that I don't have any desire to use them.
I'm doin' a jig! I figure that by the end of the year, with what will then be my rate of savings, I will have my emergency fund set up and a tidy sum with which to begin after-tax investing (I am maxed out on my 401K; in an index fund, of course).
This truly is what freedom is all about! Thank you fools!
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