/biz/ - Business & Finance

>>49404943

What bank should I use? Is Chase any good?

>>11700394
I'm in Florida now but I used to live in Acworth so I know something about the ATL housing market. For a lot of people like you, the damage is done, i.e., you've been following the path outlined in OP so naturally it is almost impossible to just switch it up now and "pay cash for everything". But don't compound the error by doubling and tripling down. If you already have a mortgage, pay it off as quick as you can. If you have multiple leased cars, get rid of them and buy used, if you have a bunch of unnecessary expenses, cut back and pay down whatever debt you have. If you're gonna use credit cards, use them responsibly. Pay them off every month. Do all that shit then in a few years, be debt free and relax. Save your chips and retire in style. For anybody just starting out, don't get into debt in the first place. Neither path guarantees happiness but having more of your own money in your pocket will make unhappiness a lot easier to live with.
As for myself, my car is paid for, I paid for university by working a job, and my house which I purchased at the bottom of the market a few years ago is also paid for. I am for all intents and purposes retired at the age of 41. I chill at the beach whenever I feel like it, trade bitcoins as a hobby and still have a few projects when I get the programming urge (computer science major). Thanks to living frugally and not giving a fuck about an Isaac score, I'm now experiencing the real American dream.