Or if you are in debt buy yourself a $1,000 beater and use the savings to pay off your debt!

So sad to assume interest on car loan is something to lump in towards the cost of a vehicle when it is really a cost of servicing debt and nothing at all to do with a vehicle. I pay cash for mine and so should everyone else, because if you cannot pay cash for it then it is too expensive for you.

As someone who is completely debt free, house and everything, you need to use a pair of scissors to cutup your credit card, use your savings to pay it off, and then aggressively save up 3-6 months of expenses in an emergency fund. If you are contributing to investments, retirement, or 401k then you need to stop that…

Simple argument, you are always one month behind (in debt) because you are paying for last month’s expenses. Also, my debit card gives me 1.5% cashback on all purchases whereas most credit cards only give 1%