Games

Here's the thing, I hate the debt obsession in the US, however it's also really not that difficult to not get into way more debt then you can manage (barring medical expenses) and having a high credit score (even though it is stupid) absolutely does help in a ton of ways here.

I would encourage Americans to play the game smart, use credit as if it were debit, do not intentionally go into debt unless absolutely necessary, and if you're in that position you should start seeking help, because getting crushed in debt is fucking awful.

I learned a lot of what NOT to do from my parents and paying attention during the 2008 crisis.