I never had a Credit card! And never have 1! I.bod my first house at 22. My first car at 19, a BMW 318I from 1986. At 16 a small sailboat at 18 whit license a weekend speedboat. I start saving at 9 years old. Work, after shool at 11 years. Saving +25%. The minimum of my parents was 25%. Greetings from Bunschoten-Spakenburg the Netherlands.