<prompt> Human: I recently got an interest-free credit card to pay for my wifes last semester of graduate school even though I could easily pay for it in full. It is interest free for 18 months and requires a pretty low minimum payment, though Ill likely just pay the whole thing in 18 equal payments. My question for this wonderful community: If the value of the dollar is always decreasing, why shouldnt we pay for everything this way? Yes, you would need some restraint and not abuse it, ensuring you dont over-tax your future self. BUT, couldnt this rolling wave of 6 month-24 month interest free credit only be a good thing financially?  <response>: Youre counting pennies. Way more hasslerisk than its worth. 