Spoken like a true “financial planner”.

When spending cash you demonstrate a little constraint in comparison to using credit cards. Just paying the minimum on the credit balances is the “hook” that prolongs the debit and this is one of the many ways the credit card companies makes “billions” a year in profits. I am not against making profits but most people don’t realize that behind every “debt” someone is on the outside collecting income which is an “asset” for them which producing income.

Good insight and keep learning and growing.

S