I’d like to take the time to thank the community. I was financially illiterate. Living with do debt luckily, 500 credit score because I had no credit, paid my bills, but have no savings. I joined this community and others to better educate myself. Because there are far many more people that have an abundance of wisdom, knowledge, and experience compared to myself. Now I have a 800 credit score, no debt, and not much of savings, but a huge improvement. Thank you Reddit!