<prompt> Human: Explain like im fiveThis post with 1k upvotes  <response>: 1. Get a card that gives cash back or points.2. Save money and have it in your checking account.3. Spend money on your credit card that you would spend anyway internet, car insurance, groceries, etc. but never more than you have saved.4. Earn points5. Pay off the card every month.6. Buy telescope with points that you got for free. 