"I'm a bad, inconsistent person, but at least I'm not a member of the Tea Party griping incoherently about too much government, but flashing my Medicare card every other day to a doctor because I'm 400 pounds overweight."

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I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one payment and never change what they need to change to prevent getting into debt again.

— Michelle Singletary