I can see I'm in the minority. Using a CC does not bother me. Is it smart? Probably not. But I'm not destroying my life, my family's life, or signing a pact with the devil. I don't drink, smoke, gamble, drink coffee, speculate in the markets, I don't travel, or go to concerts. We don't own a house (and the idea that my $10k collection would translate into a 20% down payment is ridiculous). I have a pension, life insurance, I have additional investments called DCP, I have started saving for my kids college, I pay for my kids to be in after school activities, I force my wife to buy clothes and shoes, I take my wife on dates. All of the things I've listed are paid for in cash. Compared to my college debt (which honestly might never be paid off before I die), my CC debt is miniscule and is paid off every year. Both of my kids cost $5k each in health costs. They were more expensive than any card I ever bought.
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Barry Larkin, Joey Votto, Tris Speaker, 1930-45 Cincinnati Reds, T206 Cincinnati
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Last edited by todeen; 10-17-2022 at 09:55 PM.
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