The Debtless Life

Aaron explains why debt really is unnecessary in life.

[@MsSassyMT]

My grandfather's motto was always, "If you can't afford to pay cash, let those folks keep their stuff." Best advice ever.

[@AaronClarey]

Why didn't your grandfather run for president? Where the heck was he?! Could use a guy like him now!

[@gandorf55]

AaronClarey HOLY BALLS!

[@juanbecerra4187]

Awsome

[@gandorf55]

juan becerra no....

[@juanbecerra4187]

Why. U neighsayer

[@bm11b]

It's a bit surreal to come back to this video. 8 years ago I stumbled upon this and have followed the advice exactly, along with much of Aaron's advice. It's 2023 and I can retire at the age of 35. No debt, no mortgage, no wife, no kids. Planning my road trip to the southwest just like Cappy did. Thank you Aaron.

[@albertoacosta6788]

In the same spot I’m 28 going to retire at 30 tho

[@befree9579]

What was ur retirement number?

[@befree9579]

@@albertoacosta6788 What is ur retirement number/passive income cash flow a month ?

[@rayallan3650]

@@befree9579 as a single person you not need a high number less then 500k is more then enough to retire

[@BatBrakesBones]

I'm addicted to this dude's videos. I'm gonna buy his books.

[@BatBrakesBones]

I bought 'Worthless' along with the audiobook. I want to know what books he reads personally because I am in agreement with everything he talks about in these videos. I do have a worthless associates degree and although I don't have any real debt I'm considering learning a trade instead of going back to school. Even if just to learn a real, marketable skill.

[@moonrice555]

+BatBrakesBones Dude, I regret going to college. I think it is fine for specific fields, but to just get a degree because you're "supposed to" is bullshit. I work in the public school systems and they actually have banners on the walls practically brainwashing the kids into believing you are a worthless sack of shit without a degree. Here is how one banner reads---and I'm not making this up: It is not a question of IF college, but WHICH college. Can you taste the bile?

[@BatBrakesBones]

+moonrice555 Yeah, going into debt for something that won't pay off and has no real world application, is a huge no-no. I only wish they taught the importance of mastering a skill/craft in school rather than making people feel like they would be worthless without a degree. Not everyone is meant to be in college. I went to school with people who obviously had no business being there. They were just there because they felt pressured by society. I missed out on thousands of dollars that I could've been working for while attending school. The only reason I don't regret it is because I got it "out of my system," so to speak. My goals are much clearer, now.

[@moonrice555]

BatBrakesBones "My goals are much clearer, now." Good for you. I wish that for everyone.

[@knpstrr]

bachelor pad economics is a gem

[@erakkovaatainen148]

I am 26, never had any debt, no Credit card. I never understood this Credit card thing in the bank, always asked for Debit one. Paying my rent and live "poor life" minimalist way. I buy cheap, but good, and only in need. Don't mind having same outfit on me, or living in studio apartment, less than apartment with endless rooms you are not using and bigger rent... No car here, only bike. I don't mind living poor, you can have a want for everything, but people nowadays don't know that want is not all the time need. Credit is good only for bankers and want for sellers. Yes, some will stop friending you, because you lack fancy car or two, big house and material objects... but if the people are wanting you because what you have - they are not right people. Live poor, and stay happy, because the opposite never works!

[@omprakashbaruah9425]

At least someone believes like me.

[@SagarParajuliOfficial]

hey how are you like these days?

[@jondawsonNY]

I've paid cash for all my cars, used company cars, and have no idea why anyone would buy a $80,000 Escalade.

[@wanderingman8921]

To compensate for something obviously.

[@Alex-fe5fz]

My rule is if you cant buy it 2 times and have money left over you cant afford it, now if I had 1 mil just laying around I'd buy and Escalade but if I'm making 12 bucks an hour fuck that car thankfully I'm on the wealthier smart investing side so luxuries are great every now and then

[@TILLEYJS]

Because they want to keep up with the Joneses. Problem is.... The Jones are in debt up to their eyeballs.

[@jvsalvato82]

No Debt = True Freedom

[@haythamthabit42]

I agree

[@spoonman73]

Great video. The only thing I disagree with is borrowing for college. That is the worst mistake to make, STAY AWAY FROM STUDENT LOANS! I would also add to invest early and consistently. Max out your 401k. It's your money. I am 41 and debt free,

[@LukeReed627]

The people in power want you in debt, the government does their bidding through lobbyists. Whilst you're in debt you're too busy earning and watching celebrities to keep an eye on and protest too much about what they do.

[@peartfaldo]

the borrower is slave to the lender

[@TENNSUMITSUMA]

Wolf3500 tell that to the banks that you're paying them so you call any tunes....

[@pascalxavier3367]

Debtless life is my life!

[@kylestarfaux]

I'm 24 and I still don't have a credit card. I've never even wanted one. it just seems like fucking scam. sure, it's great for an emergency expense but otherwise, I don't see the point. I have friends who are already $5k-$15k in credit card debt and they really don't have much to show for it besides a bunch of crap they don't need. I pay rent in cash and I got my car through a close family friend who owns a used car dealership and mechanic/body shop so I got a great deal and my car has been paid off for years.

[@donparkvideos]

I love this guy! Fast forward 25 year, and he's that cranky old uncle that spits out uncomfortable ideas in a way that can irritate a lot of people. I started watching him a couple of days ago, and I probably seen almost 10 videos. I think some of his stuff is good, some not so good, but quite interesting.

[@dogiedaddy3067]

I'm on the last house I'll ever own. Its a ripoff anymore. Govts. keep taping into property taxes because you can't move that fast, and then if the property stops going up because of high taxes, now you can't sell it either. My sister's in this dilemma in MIlw. There's much cheaper alternatives. New car? Forget it. Even college, work your way through, go through community college. I've owned six houses in the last 40 years, so I speak from experience.

[@gigaknotts489]

I've never understood that about America , it's like we want everything on credit , opposed to cash

[@xxiaowenxx1]

saintgauden yeah I have to agree on the fantasy point: it's all about that American dream: being rich and having the stuff to show for it. And now, it is more convenient to follow that dream, just pay for it later.

[@danielstellmon5330]

It's not about wanting credit, it's about wanting stuff now.

[@gordongekko2781]

12:15 "I'm not even going to address women , because that's a whole psychological problem that women have with spending." So true. Women have spending issues.

[@mr.giraffe7076]

3/4 the shit on your average fed ex truck is for some shopaholic women.

[@David-sq2en]

As soon as he says: "Fuck credit". I like and subscribe.

[@knpstrr]

One of my favorite videos on all of KZbin.

[@BigBrotheroutdoors]

They run your credit to lease an apartment, when you apply for a job, lease a car, ect. Having a good credit score can save you money in the long run.

[@Vention1MGTOW]

Ya, single guy here. I still wanted a house though. I have this fetish about gardening and fruit trees. But the house payment plus tax and insurance is cheaper than rent anyway. If I lost the house I would have still enjoyed the cheaper living costs during the time I lived here. I bought my first home (a condo) that was cheaper than I could afford. Paid extra and paid it off in 11 years. So the house payment is 1050, minus the profit from the rental condo it's 670, minus a small rental income from one of my extra rooms it's 420 a month. That's a heck of a deal to live in a nice house on a half acre lot, and the place is all mine! When I cut a hole in the wall for an automatic dog door, I didn't have to ask anyone. And that's the way I managed to get an income to spending ratio of about 50%. That leaves about 2200 a month as a total surplus. You should post a bitcoin address, I'd kick in a donation from time to time if you did. And the profit from a donation would be a heck of a lot more than the little bit you'd get if I bought your book.

[@SliC3oFicE]

I prefer trailers, you can get brand new ones really cheap, and if the land taxes ever get to high, you can move it

[@wanderingman8921]

Hell I've actually thought about living out of a fifth-wheel camper. The ones they make these days are super ritzy, and you can get them cheap if you buy them when they're a couple years old.

[@knpstrr]

It's area dependent, no one size fits all solution on rent vs buy

[@Jmr2332]

Dude I hope you’re a bitcoin millionaire now. Smart man.

[@markehijele]

RIP VentionMgtow

[@JCKustom13]

If you guys do want a house. Move to Idaho, Wyoming or Montana. Buy cheap surplus farm land and stick a Prefabricated home on it. You can buy a wired Prefab home for $30K to $45k.

[@niggaflies]

@ JCKustom13, good advice

[@niggaflies]

yumi mango True but you might hike into China and get arrested w/o a passport lol

[@Nicool333]

hey! ssshhhh!!!

[@mr.giraffe7076]

My father says they have horrible resale value. He says a polebarn-slab house is far superior and cheaper. Often if they are built for truck parking they have really high resale prices.

[@josefadams647]

Being 2024 this guy has been prophetic when it comes to the economy + and stability w your job.

[@dingo-dile]

This video deserves more views.

[@jonathanbrown7250]

When I went to buy a house, I had cash and solid everything. The sticking point that almost kept financing from going through was my credit score wasn't great. Also about 650. A woman from the bank told me the problem was I had practically no credit history in the past 5 years. I said 'But that's because I have no debt." I asked her "So... I'd be in better shape here if I actually owed more money to more people?" She paused a few seconds, then reluctantly said "Mmm.... Actually, yes."

[@winnerscircle1618]

So were you able to buy it all cash or did the require credit ?

[@jonathanbrown7250]

@@winnerscircle1618 Down Payment

[@rppope1006]

That day you learned why your fiat(fake) currency system is called a debt based system which the lie is that your labor loses value over time. Truth is our labor increases in value over the course of our life

[@befree9579]

Same issue in the UK. You gotta pay council tax for ur property. Which is like $150 to $300 a month for a medium home. That cost alone is rent for 2-3 bedroom in Phillipines. That's the little things people don't notice.

[@josefadams647]

I’m From KY, USA - my friend is from the Philippines. She says the same thing.

[@befree9579]

@@josefadams647 Yup it's crazy. The bigger your house the higher the tax is also. So buying less and being a minimalism is crucial to avoid hefty monthly payments.

[@vivaloriflamme]

Wise words from your experience. I have two vehicles- an 87 Chevy (easy to fix) and an 89 truck ( 320K miles, also cheap to fix.) No loans. Cheaper insurance that way. Property tax on a house- hundreds a month. Property tax on 20 acres with a trailer-- hundred a year. If I could do over-- I would buy rural acres- a place to keep my stuff, maybe keep it rented to cover taxes and utilities. Then just rent a room near the city for work projects. I remember paying thousands a month to live in NY-- that could have paid off a piece of land in a year.

[@skindawgmanson5592]

My debt free life, I rent, no credit card debt, drive a nice 2003 SUV 96K miles, nice bank accounts and physical investment. Live on a hill here in long beach ca overlooking this beautiful coast and island

[@thomascrown5953]

I think this is one of my favorite old videos from Cappy.

[@Vic9659]

Yes I agree. Aaron is correct, debt free is better than having that amazing credit score that going to put you in debt

[@adriennemuhammad2807]

Aaron this video is so REFRESHING!! I've lived this way for over the last 15 years. Since age 16, I have worked MAYBE 21 years and I am 50. (live-in caregiving in exchange for room and board PLUS 10 year career as stay at home wife/ home economist- sew clothes and home decor, grew veggies, sold surplus. I was classically trained ti be a wife and mother. We lived on my husband's income.....

[@arthurserino2254]

Borrowing money for college is one of the stupidest, most irresponsible and arrogant things a person can do. Education is a luxury, not a basic human right!

[@imadn4147]

Arthur Serino so true

[@AmericanCheeselouise]

If everyone thought like you we'd be a nation of uneducated idiots.

[@pascalxavier3367]

Even my house I have paid it cash; I didn't want to make a loan. I have never accepted to be endebted, for anything.

[@flemingdh]

Your videos are great, but, unless it's too personal, would you please clarify something? You said you shouldn't own property, but at 9:45 you state that the only debt you have is your mortgage. Is your mortgage for rental/investment property, or is it for a house you now regret purchasing? The only thing I disagree with you is that if you don't buy your house, you'll likely need to rent, and rental agencies generally pull your credit bureau report prior agreeing to rent an apartment to you.

[@sixwingproductions]

however the mortgage is still cheaper on a monthly basis. the 360 a month mortgage is cheaper than the 700 a month apartment that does not include utilities. the average american worker in my experience, takes home no more than 2000 a month, my self and most people i know only bring in 1300. due to this everyone has roommates or their spouse is also forced to work. in order to live comfortably you need to make between 2000 and 3000 a month in that apartment, and that is just so you can save for retirement, pay the ultilitys and not have to choose between gas and food. wages are stagnant which means thanks to inflation they are declining, and the cost of living is going up.

[@davidabram3702]

I really enjoy the 2004 KIA optima model. Nostalgia sure is awesome.

[@Marcus-sk2xf]

I thought owning a home would be great. But the Democrat-run Government slap me with $4000 in Property Taxes every year.

[@alexmasbruch5133]

One of the things I see here in 2024 is that rental prices are also skyrocketing in most places. I understand that property taxes will also rise but if you paid off a home and that was the only thing you had to manage it would be much more manageable than hoping place to place with higher rental prices.

[@rons5319]

Great advice. But very very few people live it.

[@philipbrennan9622]

Ron S ...... very true statement. All the more reason to 'live it'.

[@DimaNoizinfected]

I have debt because of taxes. In government, not in banks. I payed of my loans but was unable to pay taxes and closed my company.

[@TREMVan]

only thing you didn't mention--is that after you pay off your mortgage--life gets really easy. because I paid off my first mortgage and turned that place into a rental property that allowed me to purchase and pay off many more places. fundamentally agree with you but just remember that after you pay off your place you will have utility bills and some maintenance as your only expense. but i chose to expand

[@1ex1uger-prank-calls]

Good video. I agree that NEEDING a good credit score is stupid. However, when I moved to a new city for work, there was a housing shortage because everyone else had moved there for the same purpose. So to rent a room in a shared apartment, the landlords would check your credit rating, which was really fucking annoying because I don't outspend my earnings and thus have no need for credit, thus don't have much of a credit score.

[@emmanuel43]

he is giving out wisdom

[@2303mitt]

The only time I will buy a property is if I can rent it or make money out of it in different ways in other words it has to be an asset to own it , no liability

[@sbrazenor2]

If the taxes go up on a rental house, couldn't you raise the rent to keep pace?

[@sbrazenor2]

I live in RI. The taxes are pretty bad. My house taxes got jacked up too. This whole state is full of shit.

[@sovietsandvich8443]

You can

[@bobjamer8956]

Great video, Aaron! I agree with you on all accounts, except one thing...the majority of those property management companies look at your credit score when you are renting one of their units, which makes sense cause they need to see how reliable a tenant you are when paying rent on time. The only other difference would just be to rent from the owner directly...provided he isn't using a property management company to manage his property.

[@PunjabiSikhRajput1]

If you want to live a simple life and not really accomplish anything than yes go for no debt, but if you want to start a small business it is very hard to raise the capital by yourself. There is a concept of good debt that is used to produce assets like purchasing machinery for your factory to increase output by 10% of your product while reducing labor costs and bad debts that just add to liabilities like consumerism.

[@babatundeonabajo]

True.

[@ihavehotmail2]

thumbs up for the "get a motorcycle its better"

[@ihavehotmail2]

+steve b boo

[@ihavehotmail2]

+steve b nothing can hurt me - Cus I died riding a motorcycle

[@dennymambo]

For years I only had a bike. Nothing beats the sense of freedom... until you have to move a box of awkwardly shaped items weighing upwards of 20kg. So I bought a crusty old shitter of a van! Now I have the freedom of a bike, and the cargo/passenger carrying capacity of a van. I do get rammed for registration and insurance, but I'm willing to pay for the convenience.

[@mr.giraffe7076]

You are 30x more likely to die on a motorcycle.

[@deanc2000]

Should I try to pay off my mortgage quickly?

[@EDTHEWATERGUY]

+deanc2000 Yes,absolutely!

[@1ex1uger-prank-calls]

If you move to a market where the is a housing shortage, landlords may not let you rent apartments if you have a bad credit score, or refuse to let them check your score. At least that's what happened to me when I moved to a new area for work. I had enough cash to pay the deposit and several month's of rent, but was refused solely because of the credit score. The landlord didn't trust me because of the score, even though I had enough cash in hand to pay for everything.

[@zan700]

Wut the fuck, how are things so fucked up in US.

[@dennymambo]

Couldn't agree more with the vehicle aspects of what you said. And the living aspect as well. I've always lived in shared accommodation. Pay for a room. The only reason I'm contemplating property now is purely as an investment. E.g. rent it, or live in it and rent out other rooms. Australia seems to be on the verge of a property market correction, so it's probably not the ideal time to buy just yet.

[@wwrij]

12:00 Hey Aaron I'm Muslim (not a scholar by any means). We are taught not to take on debts, and if we do, it should definitely be paid back ASAP. There are even spiritual implications in the next life for the one who does not have the desire to pay it back. But more importantly, we are warned from dealing in any transactions involving interest (usury).

[@knpstrr]

+wwrij yes, we know... but what made them make that rule? ... and don't say allah.

[@imadn4147]

wwrij I know what are you trying to do, you are marketing your religion

[@lisbonapartments7203]

You don't have to go that far my friend, there are implications in the current life too, you best believe it

[@grisbosque2614]

yup! better not to own a house, I got an army truck and a mountain bike, can live in the truck, park it where ever Camo is cool, and bike for the short trips.... no bankers, no property Taxes, and no shitty campers that fall apart...

[@haythamthabit42]

Nice

[@hansnordquist9314]

Careful.. A lot of property managers like checking credit before approving tenants for lease agreements.

[@jonathanbrown7250]

The only part I'm not on board with is the blanket statement to not own a house. There are a number of hobbies, interests, businesses that you will need to own your own place to have. Try learning to grow food, have a workshop, or work on your car over at the apartment complex. Good luck with that. His point about buying in a big city is well taken, but if you rent in a big city, you're just paying someone else's jacked up property taxes instead of your own jacked up property taxes. Stick to places that won't jack your taxes to the moon for a bunch of nonsense whether you buy or rent. I do agree with his credo of "reconnoiter" an area before moving there. I also agree with advice I heard to live in a place six months and be reasonably sure your job or whatever you're doing will work out for the next few years before getting a place. You don't want to buy a place, then be trying to sell it 8 months later bc the rug got pulled.

[@cr500mike]

Yeah - get a motorcycle - get 10K miles out of a set of tires that cost as much as a set of honda civic tires motorcycles- they're great in the winter too . Coming from a guy with three motorcycles by the way .

[@noisespektrum5416]

Owning/insuring 2 cars at the same time seems void of logic.

[@adamhonestyanddecency5054]

NoiseSpektrum Yeah. He could have kept the money he would need to buy a different car in a savings account.

[@mr.giraffe7076]

I have two cars. I only insure them once one breaks down. Cars always need work. I think if you don't want to pay a mechanic, then getting a second car is a pretty good idea.

[@Newlinjim]

They are used cars he gets cheap. That means he carries liability ins only and tags are cheap as well.

[@DoubleThink555]

this is a great video good advice

[@scottbridge9391]

I disagree with over 90% of the things you say but I do agree with you about the importance of living a debt-free life, not incurring any debt unless absolutely necessary (education, medically necessary procedure). The real reason why you want to live a debtless life: debt is slavery. Mohammaed understood this very clearly which was why he put so much importance in avoiding debt. Financial experts hav elong said that homeownership is oftne not the best investment you can make with your money, this is nothing new. I'm a lot older than you are and I've been debt-free for over 18 years, never, ever owned a credit card of any type in my entire life, never owned a house or car of any kind. I'm with you about not caring what people think of your credit score. I don't care what people think of mine either.

[@TheKokojoe]

Some people borrow money for surgery, good credit might help.

[@TheKokojoe]

saintgauden That's true, I forgot about that.

[@Keranu]

What kind of Chevy do you drive, Aaron? Is that a Malibu?

[@knpstrr]

+Keranu Cruze...but may be a rental. Says in video his last buy was a Kia

[@Keranu]

knpstrr What the hell, didn't he just buy a Jeep like last year?

[@knpstrr]

+Keranu Well the video is from 2014, so maybe he bought a jeep in 2015? Don't know... don't care.

[@MrApplewine]

I tried to buy my first car used, but I bought a new one after looking at many used cars and finding it hard to decide based on what I got for the money and what was available and I needed a car fast. I probably could have gone to more dealerships.

[@jayjones189]

hundreds of personal finance books digested in 15 minutes, don't get into debt period. if you have any get out ASAP

[@sal2975]

13:44 🤣🤣🤣

[@scottbridge9391]

Where was this video done? Looks like either Wyoming or Utah to me.

[@JamesChanceWIlson]

Sound advice, for sure. I use credit cards for the rewards and pay them off every month. American Express Preferred gives 6% cash-back on groceries which is pretty damn sweet (on EVERYTHING in a grocery store...buy a gas gift card and get 6% cash-back. Going to GameStop? Buy a GameStop gift card and get 6% cash-back) Got a used FRS (I know, it was a poor financial decision) but 1.9% APR isn't too bad. Drove a 2002 Ranger for 11 years...and put thousands into it. Really need to brush up on some mechanical skills (air intake manifold, ball joints, CPU, etc...don't think I could replace those myself even if I knew what I was doing). One area where credit does matter is deposits and how much things can cost. Seems like utility departments, cable providers, and everyone and their mother check your credit score. Instead of a $200 deposit to turn the electricity on, I only paid $25. But by all means....you are better off being debt free. On the Muslim note about debt: One of the reasons I believe bankruptcy used to last 7 years is because of the Old Testament tradition (in the Torah I believe) of forgiving all debt and freeing slaves every 7 years. If you didn't pay your debt off, you might not get credit again but at least you had a fresh start. Mohammad probably abolished debt because of the type of people He was sent to teach (the pagans at this point and time were burying their daughters alive, and doing bunches of other dumb shit....), and wanted them to be free and elevated individuals--not slaves to the merchants and ideologies of their ancestors.

[@gamechancer1860]

You shouldn't use credit cards because you will trap yourself in debt

[@MrApplewine]

You lease your home from the teaching gangs.

[@d4nnyw4yne57]

I keep a credit card in case I ever lose my checking card like if left in an ATM. Was on vacation overseas and had to cancel a lost card , credit card covered my ass. I know it's not money I made by the sweat of my brow so it doesn't get used but for such emergencies.

[@JCKustom13]

I got a 1986 Camaro IROC Z28 for $2000. It runs better than any of my friends 2000s Civics, Escorts, Cobolts or lancers. It's much faster too.

[@michaelvanhorn3271]

I prefer my paid off Subaru

[@studentofsmith]

You're wrong about immigrants. Immigrants are very entrepreneurial. They left their socialist countries to come to the 'land of opportunity' to make a better life for themselves and their children. Steven Harper has managed to revive conservatism in Canada by courting the support of immigrants who appreciate his low tax, free enterprise message.

[@AaronClarey]

studentofsmith yeah, well down here in the US they're voting for socialism, so do you want to trade? We'll take those lousy IT guys from India and Asia any day!

[@studentofsmith]

AaronClarey Don't get me wrong, it took time. Steven Harper and the Conservatives worked for nearly 10 years to take those votes away from the Liberals since previous generations of Conservatives got their kicks bashing immigrants just like Republicans do with the Latinos today. (Seriously, most Latinos have a strong work ethic, are often religious and have strong family values. How are Republicans not courting those votes?) The only reason immigrants vote Democrat is because Republicans show them such hostility. If the Republicans reached out to those voters they could win them over.

[@AaronClarey]

They came here illegally. They vote democrat. They consume tax payer resources. I will not friend them.

[@theunfinishedbasement]

nobody has a problem with immigrants who came legally. And its true they tend to start businesses. We have a a different geography. People can walk into America and game the welfare system without opposition.

[@philipbrennan9622]

Good point about Latinos. Deep down they ARE conservative.

[@badass1g]

Gotta have decent credit to get a cell phone and also to even rent an apt. Good credit will always reward you throughout your life. If you have Shitty credit you are not a trustworthy person.

[@leanhnguyet71]

Let's start making some impossible things become possible !.

[@JohnJones-cg2xm]

Property taxes in my neighborhood are 10%, the highest in the country. It's a shitty little town in PA.

[@niggaflies]

Cant you apply for homestead exemption

[@MattJensen92]

What about medical debt?

[@GeedanUK]

With $3.5k, you can drive a German Whip over here!!!!

[@ryanwelles6323]

Oh that’s crazy how do you get a car for $3000?

[@johnyang1420]

Craigslist

[@cronuscronus99]

Come to California. Prop 13 will keep your taxes low for life :)

[@diahannrosai6950]

💎

[@neetlife3142]

I left to asia.... after spending some time in asia.... theres no place I love more than my good old USA. :) asia is just so fucking crowded uhhhh I cant I can't

[@putnamtaxi1436]

What about to start a business?

[@sovietsandvich8443]

You’d probably want to do equity financing instead of debt anyway. If you were going to buy a business, you’d use debt, but the financials of the business are what matter in that case.

[@michaelelguerito8272]

First of all my question to you is why brag about CREDIT in America when you can resign and live overseas? Second of all Americans for the most part are not very good at saving money and lack financially. My solution is this, as a dual citizen of the United States Of America and Mexico I can decide to live in Tijuana, Mexico and work in SAN Diego, CA. Oh and America why not move to another foreign country?another thing if you don't appreciate an enslaved society like

[@raj-cr4nl]

Whatever Islam got right, it got right by accident.