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That night, Leo sat at his kitchen table with a calculator and a very different vibe. He learned about APR—the "invisible tax" on his impulsivity. He realized those rounds of drinks were now accruing interest, effectively making each beer cost as much as a fine wine.
He didn't snap the card in half (it was metal, he would have broken his hands), but he did put it in a container of water and stuck it in the back of the freezer.