I am a young female with a wonderful young family and it's so true if I only knew than what I know now. It was only until it was too late that I started realizing that I should feel proud to be "out of debt" instead of feeling proud of how many credit cards I carried in my wallet. Well now being a mother,wife,and teacher i have finally understood the things that are really important. I just keep hoping that it's not too late and I can still turn things around for a wonderful life ahead of me...
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