i turned 23 yesterday, Mike, so consider me older and wiser.

Have fun while you still can...enjoy the days of having not many bills, no headaches, and STAY OUT OF DEBT AS MUCH AS POSSIBLE!!! If you don't need it, don't get it...and try not to use a credit card unless you have money to cover it in the bank. you know??

oh and one question- what's with the advertisement for Mikayla's personality?? are you her marketing director?