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To me, this says it all: he's likely an irresponsible, instant gratification type of individual, completely out of control financially.* I suggest you stop comparing notes with him. You're doing it right, and he's once again on the path to fiscal chaos.

So, you've met him, eh? :)

*Ok, maybe this is a little harsh. There certainly are a few people out there who have had genuinely bad luck, and for whom bankruptcy is a reasonable approach. But it sounds like your friend isn't one of them.

Nah, seems about right for him.

Thanks Lorenzo!
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