I get what you guys are saying, and honestly, I fell victim to the "college credit card" out of high school, and not having a lick of financial smarts, it ruined me. And know I am paying for it, in more ways than one. But as of this year, short of my house and small car payment, I will be debt free, making 70k a year. I am just upset that it has taken me until I am 30 to finally figure it out, however, my wife and I would like to have another child, and move to a bigger house (the house we have now is not above our means) but my past will haunt me once again, so what are my options? Credit seems like it takes so long to build back up, but so easy to ruin. And I ghfear that when looking at the next house, it will be unbeleivably hard to get a decent loan. what are your guys opinions on this? (sorry if this is off track or a hi-jack)
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