I don’t think there is such thing as an “average” 20 year old.

If someone is happy to sit on their parents couch and relax the days away than no, they shouldn’t take on debt.

But if they’re working really hard and have crunched all the numbers then anything is possible. There’s no right path for everyone, it’s all about making the smartest choices for your situation.

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I write articles that inform and delight from my anti-virus bunker in Shanghai, China. 🇦🇺 🇨🇳

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