You'll never know when you're REALLY going to need it. If you don't have it when you do need it you're going to look back and regret it.I'm a 21 year old guy from a fairly wealthy family. I can't help myself from spending money whenever I have it. If I have $400, I'll spend $100 on a new pair of jeans and luxuries that a normal 21 yo can't afford. I recently took a trip to London and ended up blowing $3000. $100 a day on cigars, $100 meals. One dinner was $450. I can't help it whenever I have money to spend. I have some money due to a medical malpractice lawsuit. Basically this is the last year I get a payment. I just need someone to knock common sense into me.
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