posted 2 years ago
A car was approaching me and my grandfather from about a half mile away coming from the opposing direction. He looked at me and said, "They smoke cigarettes". As they drove by, we could both see the occupants smoking, so I asked him how he knew from so far away? He said...
"Because if they did not smoke, they could pay another $100 a month on their car payment and not drive such a crappy car".
That never left me, and to this day I have never drank, smoked, or even tried drugs. Clean living did not seem to do much for me when I was in my 20's, but now that I am nearing fifty, it has really added up. I cannot buy a toothpick on credit today; I have absolutely no credit... because for the last ten years everything from cars to equipment I buy with cash.
It was the best fiscal advice I ever got.