Never been in debt, never bought anything with money I didn't have.
If I didn't have it, I didn't buy. Simple.
Suckers.

#GrindysLifeLessons

Even cars?

Even cars.

This song might cheer you up if you’re in debt and have wrecked your credit

It's a shame that most folks can't take a ride on the same boat as you.

I'd wager that less than 2% of people are able to purchase cars outright with cash.

The other 98% have to lean on lending. Suckers.

Experian, Equifax, and Transunion are legally required to give you a free copy of your credit report every year. Space all three of them out over the year to check for errors as they come. Here.

My car wrecked my credit as much as anything. Repairs I couldn’t afford but couldn’t get to work without.

1) Automotive
2) Family Emergencies
3) Medical
4) Veterinary

Ugh

My advice to young people is to either accept they’re going to end up ****ed and just live or save. Good credit is good but actually accumulating wealth is the ticket. Live under your means and save every month.

I’m hesitant to even advise buying a home or investing in a degree.

Put it this way, I wouldn’t recommend buying a house you don’t really want just as an investment. Same with college.

Signed,

Worst Financial Advisor Ever

We were very lucky in that we bought for $172K back in early 1998 when the bubble was taking a nap. Value sky rocketed over the next few years up to $500K until the crash of 2007-2008 when it plummeted by a quarter million bucks. Very slowly recovered and we sold this past March for over $300K more than we paid.

For every story like mine there's 9 others that don't turn out well at all.

Again, lucky. And grateful.