Bill(@BillWiIdin):At 45 what’s actually stopping me from taking a $110k personal loan, maxing every credit card, living my best life on dream vacations, and just declaring bankruptcy? Not buying a house anyway. Credit scores are a scam. Change my mind.

2026.10.25 21:34

At 45 what’s actually stopping me from taking a $110k personal loan, maxing every credit card, living my best life on dream vacations, and just declaring bankruptcy? Not buying a house anyway. Credit scores are a scam. Change my mind.

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