It is a peculiar truth of life that we often do not appropriately value the things we don’t directly pay for. One of the problems with credit is that it enables us to have something that we want\u009d now even though we might not really need it. And had we been forced to earn the money for it first then we might have decided later that it’s not worth the money because it’s not worth the work we had to put in to get it.

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