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I have a built in raise when my mortgage is paid off and am perfectly willing to eat more hamburger and less steak and decrease my discretionary spending in tough times.

I guesss I'm the odd one, because I actually prefer a good hamburger over a good steak, so eating hamburger isn't a bad thing. There are so many things you can cook with hamburger, and I've had most of them. I use 93% fat free, so it's almost as healthy as eating chicken or fish.
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