That definitely looks like a guy who would have ploopy open source headphones.

Rockstar sea shanty

Better than the original. It totally slaps.

And you can make exactly the same argument for windows or mac depending on career or hobby or performance/support.

You can just pay it all off unless you plan on making some I interest money from the second 100.

Every month on the same day I drive all the card balances to zero. 800+ credit score

Yeah no. Pay the entire statement balance every month, that’s the whole point. If you want to do debt stuff I guess you can get a mortgage or a car loan or a school loan, but these are not requirements for good credit. You use the card, you pay the card, you now have 100% on time payments and probably low credit utilization. Get a card early so average account age high if you can, and don’t get lots of hard credit checks in a row.

You can literally get free credit checks through most banks or directly from places like Experian and see what it is that affects your particular score.

Don’t pay 18 or 25% interest on anything, that’s nutty.

But you should do that one. Just don’t expect it to be windows with a different coat of paint and you will be fine.

Other older years aren’t garbage, you just realize the older you get the more the difficulty is turned up. More responsibilities, slower metabolism, less grace for making mistakes or general stupid behavior, and of course sleep injuries. The best thing about getting old is having kids, being exhausted, and sleeping in a weird way one night that causes pain for 7 to 10 days.

I miss when I could eat a box of donuts every day, bench press a cow, and try to flirt with like 10 different girls in the same day. I wouldn’t trade those days for days with my kids and my wife now, but they were objectively great.