Reply To: Reply To: Youth and bad credit


I suppose young people find themselves in financial trouble for good reasons, however, for the life of me, I cannot figure out what those reasons might be. I have a sneaking suspicion there may be two main reasons for the financial woes of young people: 1)flunking 3rd grade arithmetic; 2)unwillingness to suffer. My advice to young people is this: 1)Don't leave the 3rd grade until you have mastered basic addition and subtraction. That's all it takes to survive in the world. Stay in the 3rd grade for 25 years if you have to, but don't leave until you can add and subtract! You absolutely have to to KNOW that shit! 2)Be willing to suffer. I don't mean the Chinese water torture or anything like that; I mean you should be willing to stave off immediate gratification. If you find that you have enough money to pay all your bill this month and you have a hundred dollars left over, why would you even entertain the thought of taking a one thousand dollar fun trip to Las Vegas and paying for it with a credit card? If you use your 3rd grade arithmetic and figure it out with a pencil, the answer you will get is--SUFFER A LITTLE BIT AND DON'T GO! That's about all I have to say. Thanks for listening. Oh, yeah, one more thing--there may come a time when you feel that you absolutely have to use a credit card--my advise is to use somebody else's.

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Name : Ron-Sleepy, City : Stockton, State : CA Country : United States,