>>10144285No active debts. I attempt to also maintain less than 10% credit utilization too. I was irresponsible and took out loans to go to college with no clear plans. I could have bought a big house with the money I burned not finishing school, but everyone was told college was basically a requirement, even retards like me. Used the Trumpbux to make my final payment on my student loans.
There's something to be said about having the financial freedom to walk away from a job at a moment's notice. It puts things in perspective. I only work for my kids now and the usual bills. Sure, I don't drive a fancy BMW anymore, but i have my sanity, and my son has a bitching Lego collection.
I would never tell anyone to go down the path I did, aside from don't take on debt you don't need just because other people tell you it's the right thing to do. Misery loves company.