In between the Cavendish and Burley I tend to cogitate on money matters a lot during my pipe sessions. Get a lot of solicitations in the mail. Pre-approved personal loans, home equity, credit cards. The big come-on with the loans is paying off high-interest credit card debt. However if your minimum payment isn't that high to begin with I don't see how this holds you back. How many loan sharks are okay with paying them back 80 or 100 bucks every month over the course of twenty years? OK so you take out the loan or loans and wipe out your Visa and Mastercard obligations so now you owe monthly payments on the loan which is probably bigger than your minimum credit card payments were. Now you get another loan solicitation in the mail to pay back your other loans. The never-ending cycle of debt. Also Tom Selleck wants to talk to you about something.
Maybe go off the grid and live in a cave for five years?
