<prompt> Human: For me, I have heard of more success stories of people who are frugalsmart buyers, and either buy things in full, because they saved the money.Then for people, who got a credit card, and kept using that, to build credit. So as to be able to make future big loans for big items.For me this whole credit card and credit building process, seems highly self-destructive.Its like going to a drug dealer, buying marijuana, till he trusts you to let you buy heroin or cocaine.Ive heard better success stories for people, who save tons of money from smartfrugal buying, then pay for things in full.Getting auto or home loans, is always a bad financial idea, in my mind. Unless you clearly do not have the funds to pay for it.But then why buy items you clearly can not afford? Maybe that is a sign that our eyes are too greedy for our wallets.Which I think is a very bad sign of our financial culture that emphasizes endless spending instead of wise spending and massive saving.Just my thoughts, and I would love to hear other peoples.Thank you.  <response>: If youre paying a dime in interest to build a credit score, youre doing it horribly, horribly wrong. There are simple ways of getting a banks trust without spending money. What you should do is pay all of your credit card statement balances in full, and that amount gets reported to the bureaus, which helps your score.i.e., You shouldnt buy marijuana to get heroin from your dealer, and you shouldnt pay interest on a loan so you can avoid interest on a loan.In terms of home loans: home loans and student loans are part of the reason anyone can get housing and education at such a young age. If a solid education can bring your income up 200, then youd be stupid not to take out a loan to increase your wage as soon as possible, even if it costs you interest, because the opportunity cost of having a low wage until you can afford higher education is greater than the interest you pay in the long run. And having a decent credit score will not just allow you to borrow more, it will allow you to borrow cheaply.But thats just me.Also, from the banks perspective, you are not buying an item that you cannot afford. In the banks eyes, you already have that money, or capital, that they have invested in at a return.Thrift and saving are important. In terms of my opinion, a home and an education are the only major things that should really be financed. Everything else should be on a credit card, paid in full every month to avoid interest.Just my two cents. You should invest them. 