I agree that they can be bad debt. But I don’t agree that they are necessarily bad.

I’d just add to this, and something that you touched on but didn’t really highlight/clarify: unsecured private student loans can be good debt if they are reasonably structured and represent some kind of tie to earning potential.

Your 6% is not beating my 12% dividend return

I agree that we should have a societal safety net for retirees, but that has nothing to do with this article.

You absolutely do not have an exponentially higher rate of return from your Roth. Please look up the definition of “exponential.”

Is there any real evidence that anti-malware is effective on phones?

Also: phone ringtones. Basically anything that you’ll hear over and over again shouldn’t be set to something you hope to enjoy in the future.

The date on your passport is not situational, it’s real. I can literally use my passport as a valid form of US identification up until the expiration date. In some countries, I can even travel up until that last day.

This is, frankly, stupid.

How do you propose that they cover all the potential Visa limitations globally, and ensure that they remain constant for the 10-year duration of your passport?

Because this is all based in the law of the moment. Right now, the EU allows 90 days. Next month, that might not be the case.

These time periods are tied directly to how long you are allowed to legally spend in the country/region. In this article’s case, 90 days is how long you’re allowed to spend in the EU as a US citizen, so the requirement is that you have 90 days of passport validity.

“Literally everywhere” does not require a certain period of time. The EU, currently, allows US citizens a 90 day visa waiver - you can stay in the Shengen region for 90 days without a visa. That’s why this cases was 90 days.

Everyone’s gotta do what works for them.

Realistically, the chances of someone maxing out your credit line is smaller than the chances of them draining you credit account (most people have a higher credit limit than they do liquid cash in their checking account).

And, not everyone is using a credit card to build a higher credit score.

At least, if you’re interested in a good credit score.

I understand, but again, this is situational.

Not sure why.

If you constantly pay down your balance, though, you chip away at one of the major benefits of spending on a credit card: improving your credit score. The agencies don’t want to see your balance too high, but if you’re not using any of your available credit on the day your monthly billing period ends, it doesn’t show…