>>60781620
15k is literally nothing OP. it won't even buy you a used honda, so why worry about it?

you need to step your game up from earning 38k a year and start thinking bigger right the fuck now

the richest people in the world fuel their lifestyle with debt. consider ben mallah who has a fleet of rolls royces, owns hotels, and lives in a 40,000 sq foot mansion.

bankruptcy makes you nuclear and makes it almost impossible to buy a house for 2-4 years.