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Actions to avoid irreversible consequences?
(lemmy.ml)
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Start saving money while you're young if you're in a position to do so.
I can't believe the number of colleagues I've had in the past that were making good money without having responsibilities (living at their parents') and spending most of it at the bar or to go party in Cuba only to hear them complain years later that they didn't have enough money saved to make a 10k downpayment...