"I had a card when I was young and totally messed up my life with it... I don't want another one..."
"I don't want to use a credit card, I pay cash for everything..."
I want to take a moment to talk about credit cards. The Good, The Bad, The Ugly, and The Not As Ugly As You Think Because You Aren't Thinking Of Them Right... Is that too long?
What you are about to read takes me 30 minutes to an hour to explain verbally with people sometimes, because they ask questions and I have to keep checking for understanding. It took me two hours to write. You can read it in less tha…