> If you’re planning ahead consists of opening up credit lines via credit cards for your household finances, then you’re going to have a bad time If that's the

> If you’re planning ahead consists of opening up credit lines via credit cards for your household finances, then you’re going to have a bad time If that's the exclusive and only back up, yes. A financialy savvy person will mix both credit and debt classes for their situation. There is no one true answer in engineering and this is financial engineering. If you dont drive a car, you probably won't die in a car crash. However, you're less likely to get exposed to opportunities than a person who does drive a car.