Might want to check, because the banks are passing along inflation in the form of a 1.5% - 2.0% increase.
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You don't really need a credit score. If you don't owe anyone money, you can save up for everything you want to buy. I will be in that position soon. At that point I will pay cash for cars and everything else. I'm already at that point, except for the current car loan. But that will be gone soon, a few years early. I'm good with my current house, so I won't ever be buying another one. But a family with a decent pay and no credit bills shouldn't have much trouble saving up for a house in just a few years.
Wise moves 👌
Dave Ramsey may be hard to take for some people, but he's correct in his snowball plan to eliminate all debt.