You don't think credit is a good thing to have though? Say you wanted to start a business and needed a loan to get things off the ground...
Not attacking your philosophy just curious
I have a business and it was started with cash and runs on cash.
My philiosophy is pretty simple really...If I can't afford to pay it off today then I cannot afford it at all.
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"I'll keep my money, guns and freedom. You can keep the "Change."