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......those who are really creating the trouble in this country.
Let's start with the banks. Move your money from the big banks to smaller community banks. Leave them with fewer assets, since they have decided to do nothing to help clean up the mess they mostly created.
Cut up as many credit cards as you can. Find a way to pay them off. Keep one for emergencies and remember what the definition of emergency is. Keep the credit allowance as low as possible. Just enough to cover emergencies that aren't already covered in some other way.
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