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https://twitter.com/LuxuriousCredit This video is NOT sponsored. I am 28 (I will be 29 on September 10th) and I wanted to share this because I wish someone told me this information when I was just entering the world as a young adult but Maya Angelou said it best, "when you know better, you do better." I am older, wiser, more mature, and trying to best my best self to take care of my family.