Rachel Cruze

Yeah.

Hey, so, you know, I've been following you guys for quite a bit sometime now.

I kind of wish I'd started earlier, like most people.

100%.

Same.

Here we are.

You know, I'm working on step number six, thankfully.

But I do have a question because I listen to Dave say all the time how credit cards are the devil and they are the worst thing that...

one person can uh use and i agree with all of that except um so a really long time ago uh kind of like dave i at a very young age i did bankruptcy and since then i learned to live within my means um so i've but i've had a lot of credit cards since then i just paid them off at the end of the of the month

I don't have any credit card debt.

I haven't had for over 10, 15 years now.

So my question is, you know, if I pay off my credit cards at the end of the month and I am using them a lot so that I can get like, you know, free tickets to travel with my family and stuff like that, would you still recommend that I don't do that?

If so, why?

Or is it okay for me to continue using my credit cards as long as I pay them off?

Yeah, I mean, it definitely pays off.

Like, for example, last year I took my family to Europe and I completely paid for our flight tickets.

It was $4,000 worth just with points.

I had to pay a little bit of tax on it.

No, no, that was just paid off with points.

Okay.