It’s fascinating how varied the thoughts about credit are. One well known person say that you should pay everything with cash and never use credit- A great way to stay out of debt, but harder to make money. Another says that if the debt is making you money, then it is a good debt. In a way, I agree with both. Your credit score impacts how well you can borrow. Since I will borrow when buying houses, I need a good credit score. At the same time, for my personal items, I make every effort to avoid “consumer debt”. It’s not easy, but we have figured out how to do it. If you would like help doing that, reach out to me. We can partner together to help you get ahead.