Agree that having a credit card and using it is a good thing to build credit, which is important – thank you for clarifying. I intended only to suggest that carrying a balance month to month is very expensive, as you articulated.

Some miscellaneous truths that have served me well as a guy doing reasonably okay in life:

1. Reading books is good for your brain
2. Exercise is good for your body – the gym is a game that anyone can win over time
3. Friendships come from shared interest, activities and experiences over time. Go do stuff in real life.
4. Don’t carry credit card debt. Save money if you can. Get a handle on basic finances
5. Pick something to do, try your best, and pivot to something new if you decide that’s not for you. You often learn what you do want by discovering things that you don’t want.
6. Pushing yourself out of your comfort zone leads to personal growth.
7. Most things seem hard at first, everything gets easier with reps.

Hope that helps!

Wonder if they know about the Epstein files 🤔