Master Your Credit, Don’t Fear It

The wealthy use loopholes for taxes. You can use them for credit. Now,

some people argue, “Forget credit. Just use cash.” That sounds noble. And if you can buy

a house outright, do it. But for almost everyone else, having no credit

means paying more, waiting longer, and facing friction at every step. The practical move

isn’t rebellion. It’s mastery. Automate payments. Expand limits. Never close old

accounts. Treat credit like a game you want to beat, not a moral score

you fear. Because the truth is simple. This system is designed to extract money

from the disorganized. When you understand it, you become expensive to ignore and cheap