One of the first things I did when I turned 18 was get a secured credit card. It’s one of the best financial decisions I’ve ever made; enabled me to do a lot of things I otherwise wouldn’t be able to do without leveraging credit. I’m 21 now and I’ve never needed a co-signer for anything.

But like everyone else I’ve made my own mistakes, though unfortunately for many people it’s only until after they abuse it will they realize how to properly use it.

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I’m interested in whatever keeps humanity going. 22.

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