"There is no madder nation than Japan. ... And that nation has the highest rate of suicide, has the highest rate of thick-lens glasses and did the most suicidal trick a few years ago. It's the doggonedest country."

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Imagine you have six loans, small to huge. People want to close loans and because of that, they try to pay off the small loans, but that's not the right strategy. The right strategy, of course, is to pay the loan with the highest interest rate. People make this mistake and it costs them lots and lots of money, it's a very expensive mistake because interest rates accumulate and become very, very expensive very quickly.

— Dan Ariely