Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.
The future is not a result of choices among alternative paths offered by the present, but a place that is created—created first in the mind and will, created next in activity.
