<prompt> Human: Also: Credit cards are something you wont need until youre 35.The reason why Im here asking this is because this is exactly the opposite of what he does. He just built a new kitchen, pool, garage, deck, and bought mom a new Jag, but he sure as SHIT doesnt have all of that cash. My parents just refinanced the house last week. So overall questions are: is he telling me this because he made mistakes over the years that he doesnt want me to make? Is he giving me good advice?  <response>: I have lived my life this way for the past ten years or so after trying the use a CC responsibly for the first 6-8 years of my adult life. Its a great way to live. I love it. Lots of peace of mind. I never have to worry about not being able to make payments on stuff. I sleep a lot better. House payment is the only payment I have and Im working on paying that off early. No payments means your cash flow is awesome. 