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It would seem like every American is in a rap video, cruising around in a yacht, throwing around money on expensive clothes and women. Americans are not rich, with the average person taking home under $45,000 per year in 2014 according to the Social Security Administration. Spending more than you are able to is not good for anyone; it can put you into debt that will take years to pay off, and set you back on being able to qualify to afford a new home or car, hurting your credit score in the process. So before you go joining Usher in Miami, take a look at some of the most common areas Americans have overspent on.

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