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you do. The money I save by sharing an apt. goes straight into my K every month steady now for almost 20 years. I pay a total of $ per month and that includes heat, water, electric. I have excellent credit, use only one visa and pay the FULL BALANCE every month, so I have NO credit card debt. Every month I pay my rent, my visa (usually is not much as I pay cash for most stuff) and my phone. I live in NYC so I don't have a car so there is no car payment, no car insurance. If I need a car I rent one usually twice a year For travel, I fly or take the train. I have no responsibilities and no committments Have enough money now in investments to quit working if I want. Also recently received a nice inheritance from a relative. Funny, I don't FEEL like a loser .. I am concerned about the refrigerator thing because it is wasteful and annoying. Bethlehem sex personals
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