We’re often told to live in the moment, to enjoy the now. It can be decent advice, if you’re not appreciating the good things about your life, and dreaming too much of things you don’t have. There’s a whole mindfulness industry designed to help people with this:
Credit may be the right choice for you in certain circumstances. It can help with the ebb and flow of life and money. But real freedom and empowerment comes when you have a plan. When you’re telling your money where to go, not wondering where it all went.