pay better interest? Rates are basically at 0, this post doesn’t follow for me. Where are you getting more than 1%, or even more than .25% at most banks?

Good post, balance is key. Moreover, I think your post touches on the fact that everyone is different, and readers are obviously in different stages of life where priorities are understandably incongruent.

not sure how i feel about no credit. i definitely feel, ‘if you use credit, make sure you have the ability to pay the balance every month on time’. The reason i say this, is because cards are actually prudent. Not to be walking advertisement but chase sapphire has already provided me over 750 bucks of rewards in…