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Ask a college graduate with a $400/mo. car payment, a government-mandated health insurance bill, hefty rents despite splitting it three ways and a car payment of $250 a month because your city is huge and you can’t plunk down $5,000 for a used car all at once to join Rotary, Kiwanis, an industry association, or go bowling for $3,000 a year and see how far that goes.