Go ahead, swipe that loser credit card and and spend cash you don’t even have yet. It’s so hot to incur high interest rates and annual fees, so sexy to accummulate more debt. Credit were designed to encourage debt and consumer spending. So be a dumb consumer. Spend. Swipe. Dispense. I want you to be fiscally irresponsible. I want you to live in the moment and focus on how good it feels to throb and leak as you dispense more credit for Me.