<prompt> Human: I grew up in a house where we saved up for things. My parrents paid off their house in 7 years instead of 30. I also make decent money in the poorest city in the us; making 12k over the average take home for a family of 4. I will have about 14 grand saved up by the end of February. No current debt. I want a tiny house, nothing too fancy. I think I can do it but I am not sure why I need credit if I plan ahead; say saving for a newer car before you need it. Ps. I live with my parents, I want to move out with the ms. After winter.  <response>: Heres the thing, unless you can pay for that house in 100 cash you need credit just to have a good enough credit score so that someone will finance you. 