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I get where you’re coming from, but sometimes I wonder if being too cautious can hold people back. I mean, yeah, a buffer’s smart, but if you’re always waiting for the “perfect” scenario, you might miss out on opportunities. When I bought my first place, I was nervous about stretching, but it actually pushed me to budget better and build credit faster. Not saying everyone should max out, but sometimes a little discomfort can be motivating… as long as you’re not reckless.
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