May 16 2025, 10:55 AM
Scale is pessimistic.
Doesnt take much to be T20. Basically if you can afford a normal house in KV and 2 cars, you are already very much in the T20 range already. Thats at least 8k in loan payments per month.
Even T1 is pessimistic, there are a lot way over the 37k cutoff. Basically all my clients.
T1, T20 and B40 Detailed Breakdown, Real Celery
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