In the world of personal finance, effectively managing debt is essential for achieving long-term financial stability. One often...

A Quick Backstory People told me growing up that I needed debt in my life and that debt was good. “I can’t get a mortgage without a credit score,” “I need a good credit score to get a personal loan,” “I can use credit cards for reward points,” and, of course, “I will just pay my card off every month,” are just a few examples that I and many others have used before. I always had a personal credit card to use for gas or small expenses and pay off the entire balance (almost) eve