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1  Alternate cryptocurrencies / Altcoin Discussion / Re: Investing wisely in memecoins can give you returns. on: June 16, 2024, 05:36:53 AM
I don't know if you guys noticed, but I can feel this is memecoin season already. X (formerly Twitter) is filled with tons of memecoins. I know what you are thinking, like how am I supposed to research which one is good or bad so I could invest?

This is where the research comes in. If you do research and put in the effort, you can basically find a gem that's worth investing in.

Let me give you an example of how you can find one, especially dog-themed memecoins. Check Twitter or DexScanner, and if you see a coin that's making green or the numbers are attracting you, you will want to research and find out about that token on X to see if it's connected to any links or even mentioned by Dogecoin team members. Coincidentally, today I saw a memecoin called JungleDoge in the top 60 on DexScanner as it was trending as well, and it was also mentioned by Jordan Jefferson on X, and he even follows the project's team X account. So you can already tell I have found at least one good memecoin.

Also note that, this strategy will not work all the time; crypto is unpredictable. It teaches us to be patient with anything we touch. So if you guys have any experience investing in memecoins, share it here.

Nice tips! At least we can filter out quite a lot of memecoins. Anyway, in my opinion, a memecoin's value is based on hype and popularity to increase its demand. So, memecoins mentioned by people with a large follower have potential. The more people who buy a memecoin, the higher its value. But still, like you said, the crypto space is unpredictable. So, there's a possibility that people won't be interested in a memecoin even if it's promoted
2  Economy / Economics / Re: Is it possible to pitch a Bitcoin investment idea and gain backings? on: June 16, 2024, 04:59:20 AM
Is it possible for a potential investor (without funds but with a good idea and a great proposal for investors), to pitch a Bitcoin investment idea to a group of friends and family and companies, with projections of good profit but with their invested funds, to gain backings?

The underlined word is "to pitch a Bitcoin investment idea";

It's possible , but you must have solid investment plan and have unique selling point that makes you different with other crypto asset management companies . Perhaps you're very good in short term investment and have good track record ? something like that .

Since you mentioned is a Bitcoin investment idea , are you planning to invest solely in bitcoin ? I suggest diversifying as it plays a crucial role in the risk management of a crypto portfolio. Allocating investments among different cryptocurrencies and types of assets allows investors to diminish the effects of underperformance in any single investment.

Anyway is quite risky offering investment opportunities to close friend of family , but if you want to do it , you need to be professional and don't forget the paperwork .
3  Economy / Economics / Re: How Do You Store Value to Offset Inflation? on: June 16, 2024, 04:23:30 AM
Hi everyone,

I've been thinking a lot about how to effectively store value, especially in ways that can offset the effects of inflation. With the rising concerns over inflation and the potential devaluation of traditional currencies, I'm curious about the strategies that others in this community are using.

Personally, I've been exploring a few options, including:

Cryptocurrencies、Precious Metals、Real Estate、Stocks and Bond、Commodities。
What about you? How are you managing your investments to combat inflation? Do you think Bitcoin and other cryptocurrencies are effective in this regard? I'd love to hear your thoughts and any strategies that have worked for you.

For me , invest in gold and rental properties is the best way to fight inflation, because my location is quite strategic and the demand is quite high but I'm still exploring other option. As for crypto, I believe only bitcoin is relatively reliable . Other crypto are higher risk due to their volatility . Anyway I think having more options is always better and not put all my eggs in one basket.
4  Economy / Economics / Re: Let's use the cryptocurrencies and blockchain techology for good idea on: June 15, 2024, 05:33:04 AM
The solana meme coins could be good way to invest into real world projects.
As banks don't give money so you could collect funds with meme coins and it will start the innovation and a lot great ideas will be turning into reality becouse If there is funds people can realise their dreams.
For example building and real estate developement or any other business idea to collect funds limitless opportunity i don't know why people don't do that ?
I would love to invest something like this and then i'll get rewards or ownership of business.
Sure, you can't never trust anyone can create meme coins but If we going to risk anyways for fun and no actual use case or utility then atleast lets use it for something good.
Also can collect donations for projects and many many more ideas i would really love to invest in this way.
That will Bring more money than actually USA wall street doing it now you could collect more than fed can print money for all kind of projects.
I really love to invest into real projects trough solana meme coins they could be like company stock shares.
Just Nice it will be

Wait a minute...
Isn't this already being done? I mean, creating altcoins to fund ideas, businesses, or non-profit organizations through Initial Coin Offerings (ICOs)?
As far as I know, I've heard about crypto projects related to real estate and funding animal shelters. But I'm not sure if those projects are still ongoing.

Or are you suggesting using existing meme coins or creating hype for a meme coin with utility? If so, why not create a new coin without the "meme" branding? In my opinion, the term "meme coin" is associated with the image of being just for fun and lacking utility.

Anyway, if you're interested in crypto projects focused on using blockchain technology to tokenize real-world assets (RWA), you can check out $ONDO.

5  Economy / Economics / Re: The role of private sector involvement in Economic growth on: June 15, 2024, 04:34:20 AM
Private sector refers to business owned and manege by individuals which are not government funded, private sector include business, companies, commercial banks etc which are owned and manege by private individuals who has nothing to do with government for the purpose of profit making

The role of private sector in developing the economy of any country is very crucial and important as the role of government in society is for protection of life and property and creating the right environment for business to strive
All over the world it's private sector that has helped the economy of nations, private sector involvement is needed for economic stabilization as government only can't do this alone

Private individuals are encouraged to start up business for the purpose of profit making in so doing they're in turn creating wealth
Let take an example of say an individual who is interested in sports business and brings out money to setup a football team, first the person will start by employing young youths and them of the street and labour market and at least for a football team to be set up you must need at least fifty individuals from the players to the couching Crew to the backroom staff then  the team that has been setup will need a stadium where they will be playing their match's so they will set up a structure in form of a stadium and this newly built stadium needs to be cleaned and and we'll taken care of so more people are to be employed again and salaries will be paid to them at the end of the month

So while the owner of the business who is profit oriented gets his return for investment when the team wins a league title or from transfer of players and from tickets sold to fans who come and watch their match's he has created wealth to his employees by way of paying them salaries which in turn translate to economic growth

I agree with you because in my opinion. Private sector is essential for the economy , especially SMEs . In my country , we have a "bonus demographic" so we need a lot of SMEs to absorb the workforce. The downside is that most SMEs often pay below minimum wages.
As for government sector jobs , the competition is extremely high. like the ratio might be 1:1024 , so for one position , you have to compete with one thousand other candidates. Based on this , I think we need private sector.
6  Economy / Economics / Re: Is Accepting Crypto Salaries Worth It? on: June 15, 2024, 04:16:01 AM

The main culprit? Crypto’s notorious volatility. Unlike a steady paycheck, Bitcoin and similar currencies can swing wildly in value. This means freelancers could see their hard-earned income shrink before they convert it to usable cash.

In my opinion , Volatility won't be a concern when using stablecoin for payment , but for other altcoin, it can be an issue . The value of a coin could change between accepting a job and receiving payment . in the worst-case scenario the coin could become worthless turning you into an volunteer . Overall there are more pros like low fees and near instant withdrawals . Other payment methods , like Paypal can take 1-3 days to transfer to my bank account .

7  Economy / Economics / Re: Economic Implications of War on Individuals on: June 14, 2024, 03:35:17 AM
- do you have any survival tips during war period?
- are there any business that I can do during a period of war so as to sustain my family? Can I still budget, save and earn in Bitcoin?
- What is the economic impacts on individuals with families and how do I sustain them during war period.

 This is my opinion how to survive in war period , because I've never been in this situation so I can't speak from experience hehe
1. Flee from the country or atleast move far from main fighting area
2. find a group , because number is strength in this situation but still we need to have means to protect ourselves or we can choose to hide as much as possible 
3. For business hmm maybe doing some barter ? and for the product I think food have high demand and more important than bullet , as for save and earn in Bitcoin is depend on internet access.
4. To brace economic impacts , I think our wealth can become nothing especially like jewelry etc because food is more important , So farming or hunting can be option.

8  Other / Off-topic / Re: Don't live above your affordability on: June 14, 2024, 03:16:46 AM
Without pretence, how'd you feel being a low class admist first classes where public are being attentive?
Honestly, to some oppressive times, I actually feel like to afford the first class expenses in that period of time just for impression but my fear always goes to HOW TOMORROW MAY BE because living in such competitive arenas is liable to disappoint a man as time approaches.
Money is indeed a key word of man's status quo but it's better to maintain a sustainability for a long term going than living the high classes in just a short term else, you'd become a mockery in reviewing of your past and recalling your present status quo.

But the things is , in this age, people love instant gratification , so its really hard to thing about tomorrow .  Most people prefer how they feel right here and right now and not easy to tell them think about future.Most argument that I heard is  "we don't know when we die , so what's the point of saving for future ? "
Besides that, living above one's means is heavily influenced by social media. Many people love to show off and share  moments that we  know are sometimes is above our budget. But if we saw it again and again , sooner or later we will try it too right ?And after we upgrade our lifestyle, it's really hard to go back down. So i think we must minimize or atleast filter our social media
9  Economy / Economics / Re: How is the cost of living in your country? on: June 14, 2024, 03:01:02 AM
Hi Guys,

I'm curious to know if there is a cost of living crisis in your country and if you are feeling the effects of rising goods and services.

I'm Australian, and the inflation rate in 2023 was over 4%.

I have noticed significant increases for everyday essentials like food, petrol and utilities.

The cost of petrol is around $2.10AUD per litre, which is insane.

Let's hope things improve in the near future because the current state of things is unsustainable.

In my country the inflation rate in 2023 is about 3,71 % and for this year 2024 is estimate to be about 2,56 % based on statista website . as for petrol is around 0.5$ per litre . 

As for cost of living , hmm for staple food like rice the price is quite high this year if we compared to 2023 , is about 0,07$ higher but the price for fish is more cheaper than last year . As for rental housing prices, they seem to be about the same based on information from my friends.

I think the problem in my country is about high unemployment rate , last time i heard news about 10 million gen Z unemployed , so it quite hard for living even though the cost of living hasn't change much .


10  Economy / Economics / Re: Better Money: Gold, Fiat, Or Bitcoin? on: June 13, 2024, 04:38:19 AM
For daily use, of course, I'll choose fiat. Even though cryptocurrencies like Bitcoin can be transacted in small amounts using satoshi, what if only a small percentage of people accept it as payment? Forget Bitcoin, even digital wallets are still limited in my country; most people still prefer cash. As for investment, I won't use fiat; I choose to save it only for an emergency fund, no more.

For saving my wealth from inflation, I'll prefer gold because my goal is just to preserve my purchasing power, not to gain additional profit. And for getting a potentially high profit, I'll choose Bitcoin because you already know that cryptocurrency can give very high profits, especially memecoins, but the risk is quite high too. So, in my opinion, I'll choose all three, and I can't choose an all-in-one solution.
11  Economy / Economics / Re: Would you prefer getting a loan for a startup or getting an investor? on: June 13, 2024, 04:15:31 AM
One of the major problem an average person that has an incredible business idea faces is the ability to raise the initial capital that's required to bring his ideas to life. and in solving this challenge, the available option has always ranged from iether taking a loan from a financial institution or seeking for investors that will take a particular percentage of the company and will in return provide the necessary financial support.

Considering these two options that's one of the easiest to get, taking a loan sometimes comes with a whole lot of strict terms and conditions and  with the high interest rate expecially in my region, it's even deficult to put that as an option. Looking at the case with most investors who are just looking for ways to double there already dormant funds, and care little about the owner of the business, it seems to be another problem dealing with them as most of the ratio they intend getting from you seems to be too big expecially when they already know that your proposed business have an higher chance of doing well in the long run.

I know that as a start-up, these sources could potentially help your business to upscale at a very sharp pace and that from the angle of allowing an investor to buy into your business, you could get other added advantage like getting advice and connection that will help boost your business but I'm just curious to ask;

 If you have a well thought out business idea but don't have the needed capital to keep it functional, is getting a loan the best option or looking for interested investors?

Would trying to start up the business in your own little way the best option or can you consider bringing a third party into the business who will just serve as a partner that contributes just money?

I'll choose to get an investor because I don't yet have experience running a profitable business with positive cash flow. By finding an investor, I must prepare a pitch deck, which forces me to continuously improve and verify my ideas. I also learn how to convince investors. This is a very good experience. So, besides getting a cash injection , I can learn more about the potential of my ideas because I need to convince investors by answering their concerns.
12  Alternate cryptocurrencies / Altcoin Discussion / Re: Why are more people getting excited about memecoins? on: June 13, 2024, 03:54:20 AM
People always seem drawn to meme coins. There are so many with quirky names like Pepe, Bonk, and Meme. In 2023, a bunch of these coins hit the market and made lots of folks rich. Then in 2024, it happened again with coins like WIF, BOME, and SLRF. Now, everyone's talking about Simsol. People love meme coins because they can make you rich quick. It's kind of wild how much excitement they bring to the market. But, it's important to remember they're risky too. What's your opinion about this?


I'm convinced the main allure of memecoins is the tantalizing prospect of massive gains.  Let's face it, the idea of turning a small investment into a fortune overnight is incredibly tempting.  Who wouldn't get a rush seeing those green candles shoot up the chart?  It's that adrenaline, that thrill of the gamble, combined with a good dose of FOMO (fear of missing out) that really fuels the memecoin craze.

Of course, there are always other factors at play. Some folks might be drawn to the community aspect, finding a sense of belonging in the hype and memes surrounding these coins. Others might simply enjoy collecting them, treating them like digital trading cards. But in my experience, the vast majority are chasing those life-changing profits.

It's important to be honest about the risks involved, though. Memecoins are notoriously volatile. While the potential rewards are huge, so are the chances of losing it all. It's crucial to approach them with caution and only invest what you can afford to lose. After all, the thrill is only fun if you're not putting your financial future on the line.
13  Alternate cryptocurrencies / Altcoin Discussion / Re: Navigating the crypto world for extra income on: June 12, 2024, 07:36:33 AM

Hey guys,

Can you relate to always being on the lookout for opportunities in this wild crypto space? With all the madness happening lately - from BlackRock buying Bitcoin to Roaring Kitty's drunken live stream rants, and the crazy market swings that make no sense, it feels impossible to predict what's coming next.

I've been in the game for about 6 months now, and I'm still constantly searching for ways to earn a little extra to buy the dips. Nothing hurts more than watching the market dip and not having funds to scale into your favorite coins.

So I'm always scouring Reddit, Telegram, Discord - you name it - looking for passive income opportunities that could help stack some sats. A friend recently mentioned something about downloading a certain app and earning some crypto.

I'm really curious to hear your thoughts on these kinds of "earn crypto" initiatives. Are they actually worthwhile or just gimmicks? Have you had any positive experiences with tasks like downloading apps or completing other actions for token rewards? Or do you tend to avoid them altogether?

This space is so unpredictable, I feel like any chance to grow my bags is worth exploring, even if it seems a bit unorthodox. But I really value the perspectives of those with more experience. What's your take? Should I look into these "earn crypto" opportunities or steer clear?

Let me know your honest opinions - I'm all ears! The more insights the better when it comes to navigating this crazy crypto world.

First, it's crucial to understand the risks involved. What are the potential risks of installing that app on your device? Does the potential reward of earning crypto outweigh those risks? It might be safer to use an Android emulator or a separate device that's not linked to your financial accounts. For me, if it doesn't take too much time, why not give it a shot?

Speaking of "worth it" or not, you can gauge it based on the time you invest versus the potential profit. Have you figured out your hourly rate? Let's say it's $15/hour. Then, consider the time and effort required for this "earn crypto" opportunity. If you spend an hour on it, does the potential reward have a value of at least $15? This is just a simplified way to evaluate whether something is worth doing. Time is often a key factor because it's limited, so we have to be mindful of how we spend it.

14  Economy / Economics / Re: The choice of investment is dependent on your region of residency. on: June 12, 2024, 06:33:17 AM
The kinds and choice of investment that anyone may propose to  venture into, as a newbie or as an oldie, could be adversely affected by the place they live in or their region of residency.

While any investment could involve the strategy of diversifying into  other investments because of managing risk and having smooth returns, It may involve multiple or even single investments across various asset classes that may be equities, bonds, securities, commodities and tokens as well as various sectors like Real estate and other geographic regions.

The kind and the choice of investment, is often a product of the current environment where one lives in. Hate the place or love it, one may be faced with the challenges of multiple tax systems, regulations and currencies that may pose a threat to ones investment goals and it could also be different and more favourable in another region or new location where one intends to settle or may consider ideal to live in.

If one intends to make a first time investment into any venture,
it is always wise to seek professional advice from experts and brokers who can help you plan, execute, and manage ones investments into any area, so that one would attain their investment goals faster  irrespective of the region of residency.

Let's discuss!

I agree that location plays a role in investment choices. For instance, if you live in an area with many universities, investing in student housing could be profitable. Students often need places to stay, and not all universities offer dorms. Plus, since they're temporary residents, they're less likely to buy property.

As for seeking professional advice, I think it's smart to research whether you need a broker or an advisor first. In my opinion, advisors are generally better for those who don't know much about investing. Advisors focus on the client's best interests, helping them build a portfolio based on their goals, time frame, and risk tolerance.

Brokers, on the other hand, have a narrower focus. They mainly recommend specific investments and may not always have your best interests in mind. They can offer advice, but they might steer you towards certain investments that benefit them more than you.
15  Economy / Economics / Re: Should there be a limit to investing in your children? on: June 12, 2024, 02:35:37 AM
There is a current trend in my country where parents are doing everything financially possible to give their children the best education. Some parents have gone to the extent of selling properties or taking loans to send their children to some of the best schools in and outside the country. I have spoken with some of them, and the reason they give is that this child will get good jobs and take care of them in the future.

I had to bring up this issue because most of them are becoming disappointed and depressed. In my location, children are seen as an investment because they have the responsibility to take care of their parents when they are retired, old, or unemployed. So parents will want to invest high in education because they think it will bring high returns. Many of these students who attended prestigious schools end up becoming unemployed and are still depending on their parents to survive. I also assume that many of them regret going the extra mile to give their children the best. They have lost money and are also in debt but their children are still dependants.

Do you think parents should have a limit on the amount they can invest in their children?

In my opinion, as parents, it's crucial to prioritize saving and investing for our own retirement. This ensures we won't be a financial burden on our children when we're older or unable to work. It's fundamentally wrong to view our children as an investment. There are countless unpredictable factors that can shape who they become, and harboring such expectations will only put undue pressure on them. This pressure can easily backfire, leading them to feel unloved and misunderstood. In the worst cases, it can even cause them to resent us and become a burden rather than a support.

So, to answer your question about invest in children, it depends on what kind of investment we're talking about. If we're talking about money, then it absolutely depends on the child's individual skills and interests. Investing money in a child without financial literacy can be disastrous. But when it comes to investing in teaching them knowledge, fostering a good attitude, and showing them love, there's no limit. That's our responsibility as parents. After all, children don't choose  when they're born, but we do choose to bring them into this world.

16  Economy / Economics / Re: Is it still possible to retire early? on: June 07, 2024, 04:18:32 AM

I want to add another thing that can really affect whether we can retire early or not: who we choose to be our life partner. It might be different in other places, but in my country, especially for my generation, a lot of people become the "sandwich generation." This means that on top of paying for our own lives, we also have to support our parents.

And honestly, some parents see their kids like investments, expecting them to pay them back once they start earning money. It's tough for some people to break free from that. So even if both partners work really hard, it can feel impossible to save for retirement because they're supporting so many people.

That's why it's super important to choose your partner wisely. Before getting married, have honest conversations about money and family relationships. And if you need to, don't be afraid to get a prenuptial agreement.
17  Economy / Economics / Re: True wealth comes from income when you sleeping but earning on: June 07, 2024, 03:57:28 AM
Money in your wallet don't bring more money so you spend it and it's gone.
So If you try to look for good Investment opportunities early like was doge or shiba even with 2$ wich is nothing to risk you do right thing.
3 golden ways are:staking, Investing and DCA.
If you keep those things going on then it's impossible that you don't earn money when you sleeping.
For staking i have different wallets and on exchangers and different coins  
No matter how little you earn by doing nothing but if you can earn it you make more money from money.
My number one thing now is crypto staking on many different exchangers and self custody wallets stablecoins and altcoins.

You're absolutely right, true wealth often comes from making money even while you sleep. But your methods can be risky and need a lot of money upfront to generate worthwhile passive income. If you're living paycheck to paycheck, I have a different idea for passive income that doesn't need a ton of cash upfront.

Think about your skills and hobbies – maybe you're good at web design, creating videos, or even photography. You can turn those skills into digital products like website templates, online courses, or stock photos to sell. The key is to create something amazing that people actually want, and then spread the word about it.

The best part? Once you've set it up, it's pretty hands-off. You can literally earn money while you sleep And once you've built up some earnings, you could even consider investing some of it in the top 10 cryptocurrencies to potentially grow your wealth even more.

18  Alternate cryptocurrencies / Altcoin Discussion / Re: Between new tokens and old tokens, which would you invest into? on: June 06, 2024, 05:55:21 AM
My risk tolerance is pretty moderate, so if I had $1000 to invest in 1-5 projects, I'd put 60% into established tokens with a good track record. They might not skyrocket, but they're like a safety net in case other investments go south. The rest I'd split between 1-2 newer tokens, chasing that potential for big gains. Even if they flop, the impact wouldn't be too bad. Besides, who doesn't want to be part of the next big thing, right?

But let's be real, there are no guarantees in crypto. so only use money that you can afford to lose  Grin
19  Alternate cryptocurrencies / Altcoin Discussion / Re: Keeping your assets safe in the crypto space.. on: June 06, 2024, 04:28:45 AM
One constant fact that I've noticed since I got into crypto is that the moment a project or a company starts getting popular or begins to gain a huge follower base, it starts to attract scammers like Sugar to ants.

It honestly gets annoying after a while, I can't join a Telegram or Discord group without being DMed by a dozen of them, fake links flying here and there. A recent example is Bitget releasing a couple of articles to inform their users about phishing and a particular malicious browser extension named "AggrTrade". I've seen similar notifications from Binance, bybit also telling their users to be careful

Still, I guess we can only just remain careful to avoid falling victim to scammers after all there isn’t much that can be done. What have you guys been doing to keep your assets safe though? Drop some comments, let's learn.

I wanted to add something about fake links. It used to be easy to spot them with typosquatting, like "faacebook" instead of "facebook" or weird domain names like "" But now, scammers are getting sneaky with punycode or homoglyphs , those are tricks that make letters look the same but are actually different. like this  "" vs "ϲοіɴʙɑ" . It's not always obvious, so you really gotta watch out and don't click on anything from shady sources. Better safe than sorry!

Oh, and like others have said, it's smart to have a separate device that's squeaky clean and only for important stuff like banking or crypto. That way, you're less likely to get tricked by a bad link.
20  Economy / Economics / Re: Things to avoid when you earn a lot or become rich on: June 06, 2024, 03:56:04 AM
And the following is what we should do:

1. Don't buy expensive things right away.

Most of us want to buy expensive things when we receive a lot of money. Because aside from the convenience and the fact that the fact that we can benefit from it for a long time, we also want to get the attention of other people. We also cannot deny when we can afford something that an ordinary person cannot afford. But sometimes, because we can afford something, we just end up spending it, and we forget to ask ourselves if we really need it. Or we just want to buy it because we want to impress other people. And due to a lack of spending awareness, we become impulse buyers. Until this habit becomes our second nature or the worst, we base our spending on what we want other people to see in us.

But the question is, what is our goal? to get rich to impress, or to get rich to have freedom? When you have a lot of money, you have nothing to prove to other people. Since you know that you are rich, it is a better idea not to let other people know that you are rich. One should just choose the simple life and live with a purpose.

Thanks for sharing! I have a different take on a few things, though.

Here's a simple question that might help decide between wants and needs: "Is there a cheaper option that does the same thing?" That way, we're focused on what we actually need the item for.  Also, before buying anything pricey, I like to wait a few days. Sometimes the urge goes away, and I realize I didn't really need it.

With luxury items,sometimes there's no cheaper swap because it's all about the brand. But even then, spending on luxury  can be kind of like an investment. A fancy car might open doors to business deals or connections you wouldn't have otherwise.

2.Pay your Debt

Having debt or bad debt is why most of us continue to suffer because it's like a weed that, if you don't cut the root, will grow again. And the debt, when you don't pay it, has interest compounding. So your number one expense is to pay off the debt when it earns a lot of money. Be responsible not to ignore the people we owe money to, talk to them, say thank you, and pay all the debt.

We should also know that our reputation also depends on it, and when we know how to pay, many people will trust you. And when you know how to pay off debt, you also show that we are not only thinking about ourselves.

 I think it's smart to pay down debt, but being completely debt-free isn't always the goal. Some debt can be a good thing, like when it's for a business, education, or a home. That kind of debt can help you earn more money or improve your life overall. So,it's all about managing your debt, not just getting rid of it.

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