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i know what you're saying nathan - but maybe those that don't feel the need for the psychobabble are already in the right head space. a lot of people aren't and have to overcome many major spending and investing bad habits. my MIL recently called her new TV an "investment" (i honest-to-god kid...

at the moment, i'm turning into be a pretty decent friend but have been a foe for a while. kudos for the post.