Cost to borrow going through the roof. No rate cuts in site. All of their garbage debt at Covid rates coming due. Oil crushing cost of business. There should be blood in the streets and instead they are out performing big tech companies with record profits. All while their private lenders are going bankrupt.

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Hey guys, I’m doing roof inspections in your area tomorrow and I was wondering…

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Your life isn't over. Here's what you do: 1. Own the fact that you have a gambling addiction.  2. Keep your career.  3. Cut any expenses out of your life that you possibly can. Outside of a roof, a car, insurance, and food, pay for nothing. Netflix and fast food are luxuries. If you have a car payment, sell the car if that clears the loan and buy a beater (if this saves money, of course...tough to say in this auto market).  4. Pay down the 20k as fast as you can. If you can do it in a year with your salary, then do that. If you can't, or work an hourly job, get more hours or get a second job. That debt will get vaporized faster than you'd expect. 5. Once you're debt free, just start INVESTING in an IRA and any funds or accounts run by PROFESSIONALS. Because clearly you aren't one of them.  Go get 'em, chief.

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Your life is NOT over... You have a new perspective and will handle money differently. 20K is not the end of the world (even though it feels like it). Food banks can take off pressure while you figure things out. Cut your expenses and focus on keeping keeping a roof over your head. If your housing is too expensive now, look for other options this weekend (roommates, downsizing...) Take a hot shower and remember that most people on the planet don't have that. Enjoy small comforts and invite a friend for a walk tomorrow, if one isn't available go for a walk by yourself (headphones off, take in your surroundings and bring water). Community centers often offer discounted memberships for people with low incomes. It is a good place to get exercise and meet people. Don't hate yourself... the whole system is broken. Keep your chin up.

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The roof likely

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Stop trading altogether. Digital money's not real. You will be fine, I owe much more than you lost on my mortgage. Just try save, then buy a house and tell yourself it was 120k more than what you paid for it, and it's like it never happened. As long as you have a roof over your head and food on your table, your life's not so bad. Also, get off Wallstreet bets. For every person you see of people making crazy money, there's a lot more who invested high and are about to lose.

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Looks like CLEAR is pumping - subs are gonna be through the roof this quarter

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