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My wife and I put everything on a credit card...and I mean everything. We even have some of our bills automatically charged to our credit cards. We do this because we get cash back. Last year we earned over $1000 in free money. If I paid cash or check for all that stuff we'd be out $1,000 so I'll never understand why people think credit cards are bad. The cards aren't bad it's that people that abuse them or don't use them to their advantage that need educating.
ROTH IRA...best investment going. I'm amazed by the number of people that don't even know what it is. Use the ROTH and pay yourself first.
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