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Are you dipping into your 401K to pay off "necessities?" STOP IT, NOW! Why can't you sacrifice now and benefit tomorrow? You'll never make it to a million if you keep spending $6,000-$8,000+ a month on a vehicle bill .
If you think that the government will bail you out...hahahah. yeah. Do not even talk to us. Why should responsible people have to bail your sorry butt out? Especially when you simply couldn't stop buying that gym membership that you never use and insisted on sitting on your butt while you were watching the cable TV you couldn't afford.