Did you know that 4/10 Americans wouldn't be able to access $400 in the event of an emergency without selling off assets or going into debt?
With P2P lending it get rid of the bank which was the middle man and there are a few advantages and disadvantages to this.
The point is that lifestyle creep when left unchecked can spiral out of control until, even with more money, we save less than when we were making less money.
I didn't have a $1400 failure. I had a $1400 lesson and in my honest opinion, I think that lesson is worth every cent.