I will be the first to admit I wasn't really thinking about the future implications of the stimulus checks that we got in the US. On the other hand, I wasn't eager to get mine either. I would have been just as happy if they had skipped us or we had not qualified.
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I think that there is little point in turning it down, but I also think that many people used it poorly. For example in Australia, many people bought new TVs - instead of putting it into very low stocks. BTC was sitting around 7k at that point.
I didn't get anything at all and when laid off from my work, I didn't get anything either, because I have a business. It didn't matter that my business couldn't operate because of Covid laws.
I am pretty sure mine just went into savings. Nothing super smart or exciting about that, but I didn't spend it on frivolous stuff either.
That is fair enough.