Student loans!
If you have had higher education, how many student loans did you accumulate?
When I was a freshman, it seemed so far away until I would have to begin repaying them, and here I am a few years post degree and almost no dent, haha.
If you haven't been to college yet, I highly recommend paying as much out of pocket as possible (unless you are one of the fortunate countries to be offered free higher education!)
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