The debt to income ratio is important and why you can lead the lifestyle you have now being able to do the little extras others can't. I know people who have multiple credit cars and they just roll the debt around but the debt still remains and unless they come into some money they are on a road to disaster. It is no wonder you see these people winning the lottery and 5 years later are boke. the same will most likely happy with the masses on crypto as they will benefit once or twice and not afford to get back in as they will spend it. I think the crypto crash we had recently burned many who shouldn't have invested as they couldn't afford it in the first place.

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