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Joined 2 years ago
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Cake day: June 12th, 2023

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  • This right here. It’s funny when Europeans trash our beer culture. My state has more beer styles and types than all of Europe. Not that European beer isn’t good, it is, but Germany isn’t going to brew a juicy IPA because of their antiquated laws. It’s different.

    They have great cheese, no doubt, but so does the US when you actually look for it. Guess what Europeans, we don’t like Kraft either.




  • Just remember, the rich are rich because they borrow other peoples money. You just need to know how to take advantage of it to work for you.

    Build credit by never paying any minimum late > gain credit above 700 (ideally 750+) usually within 2-5 years > get great rates > 0% for X months starts showing up > Use their money to keep credit high, gain rewards/miles, etc.

    It really just takes organizing and consistency. It’s not that hard once you’ve built the habit. In fact, my wife and I don’t even put brain power into it anymore. Credit fluctuates between high 700s / lower 800s and we get 0% financing offers constantly. Once you’re a sure bet everyone wants you to finance/get credit with them. This absolutely pays off over time. When someone else is stuck buying a car with a higher APR, I’m getting close to fed rates, same with mortgages.

    Is the system perfect? No, but it’s what we all have so you may as well take advantage of its potential benefits.