Future

I know some people who have filed bankruptcy after spending too much money and not saving. The thing I don't understand is after filing bankruptcy, how will they recover especially with their credit score. They told me they weren't really affected by it but I am scared to do something like that. My husband and I are very careful with our spending and we are trying to save as much money as we can possible. It's hard because others waste it and then get this option but we just can't do that all the time. Save for your future!
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