i have M1 and frankly it has saved me .... i agree if you cant control your spending, its a nightmare waiting to happen. however, we are pretty good at minding our money and i lost my job 2 months ago and it has given me the cash flow to make it through.
sure i am not saving anymore, but having access to cash is exactly why i went with this product. without it, i would be in world of trouble financially.
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