Getting Real
If you: 1) live in an apartment, condo, townhouse, dorm, or share a house or apartment with someone;
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2) are going to, have recently graduated from, or have never gone to college and are not working at all, are working a minimum-wage job, or have just gotten your first job but have loans, Visa/MasterCard/American Express bills, a brand-new car payment, and can't afford to eat anything but macaroni and cheese anyway. . .