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My 3series and my Dodge ram are all paid-off. I've never owned a credit card before (i dont even know what a credit card looks like LOL)
The only loans i have is small College Loan and my Mortgage.
I dont have a Dad or Grand parents around i dont have any rich family member. No one ( NO ONE) ever! has given me $1. Every single item/food/service i have paid for in 30yrs of my life all came from my pocket.
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WHO'S THE BOSS 
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