In the past, I could be somewhat irresponsible with the way I spent my student loans. I (almost) always made sure I had enough for important things, but that left me with a considerable amount to squander. Now with all my responsibilities, I wish I hadn't been so cavalier with my funds. Unfortunately, I am unable to shout loud enough for my past self to hear what a moron he is. Here's a typical situation I encounter and have encountered in the past and the outcomes in the respective times in my life.
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