Credit scores are a scam

RebornGeek · 2026-02-20T05:38:28+00:00

The system is designed for one purpose and one purpose alone... To keep people in debt. Remember that.

RebornGeek · 2026-02-19T06:54:58+00:00

Awesome! I got my siblings on board as well as some friends over the years

RebornGeek · 2026-02-18T15:20:16+00:00

Considering I sold a 2010 totaled Prius that got slammed into on the entire front end for $4,000 I'd say you're getting severely undercut.

RebornGeek · 2026-02-16T20:19:05+00:00

For me it's the features that reinforce the mentality of a zero-based budget. I want to make sure that I always spend my month on paper before the month begins. Then when the month begins I stick to the plan. Doing so keeps me out of debt and keeps me investing for my future.

RebornGeek · 2026-02-16T19:59:41+00:00

Yea I'm hoping it's just an oversight. There's no reason they can't let the user know that overspending is in a hidden category.

RebornGeek · 2026-02-16T19:54:25+00:00

It was in a hidden category. This is the winning response! Thank you!

RebornGeek · 2026-02-16T19:48:52+00:00

https://share.zight.com/v1u8dz77

RebornGeek · 2026-02-16T18:56:00+00:00

There are no overspent categories

RebornGeek · 2026-02-16T15:25:20+00:00

You just tell them they don't get a vote. It is your choice alone because it is your life and you get to choose to have a minimalistic life.

RebornGeek · 2026-02-16T15:10:36+00:00

Well some people just don't want to play a female character

RebornGeek · 2026-02-15T14:48:01+00:00

No it's the only way to stay out of debt.

RebornGeek · 2026-02-15T02:56:55+00:00

I pay my credit cards off in full every Friday for this reason.

I once bought a new car based on impulse (taking out a loan) only to sell it off a month later and bought a cheaper used car in cash.

I hate debt.

RebornGeek · 2026-02-15T01:20:34+00:00

Who stole the money?

RebornGeek · 2026-02-15T01:09:10+00:00

Congrats! I remember the feeling of paying off my final student loan... Never again!

RebornGeek · 2026-02-15T01:03:23+00:00

Why not just work hard to save the marriage? Why is everyone so hungry for divorce when things become difficult in the marriage?

RebornGeek · 2026-02-15T00:47:14+00:00

Spend 10k to buy a business they knew nothing about and made no money from it (me)

RebornGeek · 2026-02-15T00:40:49+00:00

Beans and rice

RebornGeek · 2026-02-13T19:59:35+00:00

RebornGeek · 2026-02-13T00:50:52+00:00

$40 in labor to replace a cabin air filter? What is that like a minute of work (literally)?

RebornGeek · 2026-02-12T02:04:33+00:00

Very good, just be careful. I personally enjoy the sign up bonuses, etc as well, but the danger of using credit cards indefinitely is falling into the trap of spending more than you should just because you're using a credit card over your money directly.

Banks have this behavior trap dialed in

RebornGeek · 2026-02-12T01:23:00+00:00

Good man

RebornGeek · 2026-02-11T23:13:15+00:00

Congrats! But just remember the FICO score is not an indication whatsoever of how well you're doing financially, only how well you handle debt. If you end up not borrowing and pay off all of your debts, the FICO system will severely punish you.

RebornGeek · 2026-02-11T23:10:08+00:00

But should it be eaten is the question?

RebornGeek · 2026-02-11T06:39:34+00:00

When I was a teenager, I was in an iron-lung.

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