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US credit card delinquency rate hits highest level in 12 years high interest rates impact consumption

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America's Future Thinks Porn Stars
America's Future Thinks Porn StarsThe Soul World
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US credit card delinquency rate hits highest level in 12 years high interest rates impact consumption!
When Albert Sebastian, a pornographic actor, hears this news, he consults his accountant, Levi Sharon.
Albert: Hey, Levi, have you seen this news? The delinquency rate on credit cards in the United States has reached its highest level in 12 years.
Levi: Yes, indeed, that’s a concerning trend. The ability of consumers to pay their credit card bills is crucial for the health of the economy.
Albert: Yeah, especially it seems younger people are struggling with household burdens. I’ve been a bit worried lately with the fluctuation in my income.
Levi: I understand. Even with unpredictable income, it’s important to budget and manage your expenses. Even estimating an average income and planning your budget around that can be helpful.
Albert: But how do I go about budgeting? It seems challenging with my income fluctuating all the time.
Levi: Even in such situations, you can estimate an average income and create a budget around that. And when your income exceeds expectations, it’s wise to set aside savings for emergencies or future expenses.
Albert: I see, that does sound reassuring. Also, I’ll make sure not to fall behind on credit card payments.
Levi: Absolutely. Not only does falling behind accrue interest and make repayment difficult, but it can also affect your credit score. Albert, minimizing credit card usage and ensuring timely payments is crucial.
Albert: Got it! I’ll make an effort to manage my income, review my expenses, and be cautious with credit card usage. Thanks, Levi.
Levi: You’re welcome, Albert. I recognize the effort you’re putting into managing your income as a porn actor. If you ever need assistance, feel free to reach out anytime.

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Albert: Got it! I’ll make an effort to manage my income, review my expenses, and be cautious with credit card usage. Thanks, Levi.
Levi: You’re welcome, Albert. I acknowledge the effort you’re putting into managing your income as a porn actor. But, I really want you to consider a different path.
Albert: Huh? A different path?
Levi: Yes, Albert, your talent and abilities aren’t limited to just being a porn actor. I believe you can shake off the image of being an unstable, socially discredited porn actor, and build a new career.
Albert: But, that’s…
Levi: What I mean is, leveraging your knowledge and education, you could pursue a career as an accountant. You’ve recently graduated from university, and you have experience in accounting. So, becoming an accountant could be a suitable choice.
Albert: But, quitting being a porn actor to become an accountant…
Levi: Albert, the decision is yours to make. But, I believe you can unleash your full potential and build a more stable future. And, I’ll support you every step of the way.
Albert: …
Levi: Take your time to think about it. I’m here for your happiness and success, always.