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I get that lenders use formulas, but they don’t know about your love of sushi or that your dog eats better than you do.
That part made me laugh—my cat’s food budget is honestly embarrassing. When I got my pre-approval, the number looked huge compared to what I thought I could handle. Did anyone else feel like the bank was just guessing? I ended up going way under their max because I wanted to keep my gym membership and not stress every time I bought groceries. Curious if people actually spend up to their limit or if most folks play it safe?
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