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Instead of spending tomorrow's money today and paying the useless financial sector for it just spend today's money and put the rest into gold or silver to spend or barter later. Simple isn't it? The key to making this work is for children to spend a few extra years at home so they can save enough gold to buy a home and then move out. While you still have to pay your lease to the government, you would be free of a mortgage and not throw your productive labor to the unproductive.