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As a student, I racked up the credit card bills. Never again. Accumulating debt on "toys" is simply poor decision making. I'm planning on getting into MRR after a 15 year break. When I was a kid, I couldn't afford to spend much on it. As an adult, I don't want to spend money on it, but I want to enjoy it. Scratchbuilding, here I come. Just read an interesting book recommended by a friend, "Rich Dad, Poor Dad". I'm not trying to sell anyone on the book, which is sort of just a financial motivational book, but after reading it, and really letting some things sink in, the idea of spending a lot of money on "toys" seems downright silly. It always seemed sort of self-indulgent, but now it really seems silly. Glad to hear you college aged kids above are not getting involved with credit cards. I did in college - and it was stupid. Congratulations on not falling for the American "got to have it now" garbage. The big money people become the winners if you give into that. The losers are the hard working / not financially savvy people who end up with fancy cars / $10,000 TV's, you name it, but with no financial future. Yikes, I started to get worked up a bit there : )
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