@liztai yeah, I think he has some good principles, but in saying “no credit cards ever” he sets a legalism that has some pretty strong drawbacks. I also have a credit card, and I pay it off in full every month. In the last 20 years of having it I can count on one hand the number of times I’ve chosen not to pay it off in full because an emergency came up. And the end result is thousands of dollars in rewards!