You don't. I've been debating this for a while and I'd rather have the extra money in my pocket every month. It's a luxury and if you want it, you'll have to p

You don't. I've been debating this for a while and I'd rather have the extra money in my pocket every month. It's a luxury and if you want it, you'll have to pay. I know many successful people who do not have them, so it's not an absolute.