I had no debt and I've never needed to borrow money for anything. So when I wanted to go and buy a property, I spoke with several mortgage brokers. All of them were like, you don't have a credit card. You need a cosignor. It just didn't make sense for me to take some of my cash. And so now that's why I'm like such an advocate of like, hey, get a credit card, build your credit score. We actually ran the numbers on this because a lot of people are like, well, yeah, if you want a 49% interest rateyou can try that method.

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