Originally Posted by YorkeDaddy (Post 1964484)

Of course it's not like some ticket to financial security, I understand that. I'm just glad it's in a better place for the handful of reasons TO have it that way

Currently I'm trying to prioritize getting rid of as much of the little debts here and there that I have by consistently paying above the minimums. This sacrifices the disposable extra income I have that would normally go into a savings account. I turn 24 next month and have literally zero savings and only a couple grand in my account, but I think if I'm starting to build it by 25 or 26 I'll still be fine in the long-term.

Originally Posted by DwnWthVwls (Post 1964486)

I agree that credit score isn't wealth, but it's definitely important given our current system. It's a financial skeleton key that everyone should try to achieve.

Originally Posted by DwnWthVwls (Post 1964490)

Well if youre ****ed enough to need any emergency loan at least it gives you an opporunity vs saving and having no credit where if you dont have enough youre ****ed right there. At least wih the former you can go about living with a lesser income while you payback your debt.