| I've always been a cash man myself.  If I couldn't afford it, I didn't want it.  Never even had a credit card.
 This came back to bite me when I decided to buy a house.  (which I did recently)  I had to scramble to establish credit, save a HUGE downpayment and hope for the best.
 Now I'm mister credit card.  Barely think twice about big ticket items.  I think having an income well into the six figures helps me feel more relaxed about buying things too.
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