How in the does someone reach 22 years old without a credit card or a checking account? I had a mortgage when I was 23. Have they never worked? Never had a bill to pay? I really can’t fathom how someone could do that.
Bobbyg, that’s really good that you’re keeping yourself out of debt. A lot of people on here should follow your lead. If I were in your shoes though, I’d start thinking about building credit if you have any intentions of buying a house in the next 5-10 years. Just sayin.