I'm all about debt free, don't get me wrong, but not having a credit card?
How did you function as a gunsmith? Buying parts online you made your customers wait until your snail mail check arrived and cleared with your vendors?
Plus, I put a ton on the credit card, my purchases are protected, and I get cash back. Just don't carry a balance and you don't pay interest.
I always worked for someone else so never had to worry about it.. Much of that was before home computers were even a thing.. We were poor growing up. My dad taught me to be frugal and practical and it stuck. I've never been prone to extravagance or gave a shyt about keeping up with the Jones's so extra money was put away while others pissed it away on extravagant homes, toys, vehicles, vacations, dining out, etc. etc..
