I don’t understand how people can work for sleezebag companies.
This is part one.
To this day I refuse to carry debt or even own credit cards tho.
I think this is part two.
It’s awesome that you do this, but if you can afford to avoid debt entirely you are probably somewhat priviledged compared to some. A lot of people in the US are working off student debts for degrees that didn’t quite deliver the jobs they were expecting. Or just were dealt a bad hand to begin with.