"People need things. I don't live a monk's existence, I'm a consumer, but I try to do it to the level that doesn't feel like there's an overabundance of something."

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Personal responsibility matters. There are no excuses for those who spend money on things they cannot afford. But it's a whole lot harder to act responsibly when consumer credit contracts are designed to be incomprehensible, when prices are obscure and risks are hidden.

— Elizabeth Warren