<prompt> Human: Last summer, I had just graduated from college and was waiting to begin my job in September. I wanted to live in an particular and expensive city with a friend from school. This friends company was willing to pay for the brokers fee quite expensive and he matched my needs for a roommate very well, so this was a great opportunity. The unfortunate part was that I did not have enough money to pull together to live through the summer, paying for rent, setting up the apartment, food, etc.I decided to get a credit card with a introductory 0 APR. I wanted to rack up debt to get me through the summer until I began my more or less relatively high paying job. This idea was not liked by this sub. Here is the link: Note I deleted my association with the thread at some point but kept the link. I think because I wanted to maintain a bit more privacy on my account.I did just as I planned. Getting in even more debt than I had initially expected.Fast forward to now, and all is well. I payed off my debt very quickly once I began working, with no interest payments at all. I believe my credit score is just fine.I dont know much about this sub, but I have heard jokes about how conservative the general viewpoint around here is. Regardless, my point is that I believe sometimes it can make sense to get into a bit of debt, and this was one of those situations.I am curious to hear your reactions.Assistant: Winning at russian roulette does not make playing a wise decision. Im very glad that you managed to get through that rough point in time without any lasting scars, but Im concerned that its done nothing but enbolded you to make foolish decisions into the future.Conservative is the word used by those who get lucky. Wise is the word used by those who dont. I guess in your mind were still conservative.Human: Yes, well said, but of course my point is that I do not believe I was playing russian roulette.  <response>: No one ever expects misfortune to fall on them. But some people have it land and in those cases its all about how small the bucket of shit that has been created is when it hits the fan. 