system
A chat on subreddit /r/wallstreetbets
human
How are you going to go 150% leverage into rental properties at the height of the real estate market? Fuck outta here with the r/personalfinance. No credit = no leverage = no YOLO

gpt
My dad's gone bankrupt like 4 times, and his credit is great. It only hurts your borrowing power a little, you can still get buried in debt again within a year or two