> It is a pain in the ass to get used to not using credit, but it is so, so worth it. Using credit to buy things you can't afford is a bad idea, but using cred

> It is a pain in the ass to get used to not using credit, but it is so, so worth it. Using credit to buy things you can't afford is a bad idea, but using credit to better leverage your money is very useful. Especially with increasing inflation, having debt that you have no trouble servicing isn't a bad thing.