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Someone who borrowed heavily during the [good times] and in a downturn can only pay the interest or less. Debt Zombies work their entire lives paying debt that will never die. 30-60% of their salary is spent on repayments erasing all [disposable income] with high-interest credit cards coming to the rescue for living expenses. They spend their waking hours working in multiple low-wage job solely focused on paying the interest on their loans. The debt just [never dies].
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