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You don’t have to go through Dave’s pain to be successful. If you listen to him now he says just be sensible, live within your means. Do not borrow money. Save up for what you want. Pay cash. This knowledge comes from age. I wish I knew and could “FEEL” this when I was younger. We were all stupid at that age. If I could go back in time and advise myself, no matter what I could say to me I would have said to me “shut up dad, you don’t know me!” Lol. Wisdom only comes with age.