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Right now I'm investing my time on 9-5 to help cover necessary expenses in life.

Well, you're not being very successful with that, are you? You have to live with your parents rent-free, and you may just be making enough to pay for food and your minimum credit card payments.

Although I suspect that your Mom is probably the one who is making the payments on her cards, not you. If that's the case, you aren't even making enough to cover the debt that you ran up, much less the 'necessary expenses in life'.

AJ
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