I'm 28, and I've Never Had a Credit Card. Ever.

"I heard Dave Ramsey say on one of his episodes that “if debt is an option, you’ll always be in debt.” I truly believe this. By not having a credit card, I don’t even give myself the option. I literally cannot get myself into any more debt than I am already in. And with $159,000 of student loan debt, I think that’s enough debt for the rest of my life!"

Check out the full article here: BudgetBlonde.com

-------- [Photo cred: StormKatt]