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>about to get a nice bonus from work
>plan to use it to pay off a bunch of debt
>will free up a significant amount of monthly income and boost my credit score by 50+ points
>already looking at bikes I could buy and afford a monthly payment on with all the free income
I DONT NEED IT
I DONT NEED IT
I DONT NEED IT
I DONT NEED IT
I DONT NEED IT
I DONT NEED IT