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>Can you imagine living on $20K, $30K, $40K, a year?

Yes, because I have done it every year for the past decade. Having lived in several large metropolitan areas, I don't consider myself poor or even struggling.



I'm a grad student, so I make about $30,000 a year.

I didn't feel poor until I had a bicycle accident and saw the hospital bill. If the insurance hadn't covered it, it would have taken me years to climb out of that hole of debt.




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