Screw the companies that report to your credit bureau isn't a good idea at all.
My wife and I can last indefinitely without income. We live in a very modest condo, but have bought many investment properties over the years that cash flow positive from day one. People should really invest in income producing assets rather than depreciating assets. The net income we get from the investments would pay all our expenses for what we need.
We have taken no hand outs from parents or inheritance, all was on our own.
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