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This is actually a way better conversation than care about large senior.
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Trust me, we live modestly so that we DON'T have to make decisions like that. But we still don't have "money for a rainy day" or "college savings" for either of our girls. We live paycheck to paycheck and every single penny is spent on bills or on the kids. So does that mean we've made bad choices financially? I don't think so. I guess it all depends on what you're used to. :)