What fucking advice though? I have credit cards and a line of credit. I'm not in debt and don't use CC because there's no money in my account but cause it is convenient. Hey kids get a credit card but akways pay it at the end of the month!! Oh and try to make money, your finances will be better if you're ballin. Ok wow, that was some amazing advice.
You are taking for granted your own ability to make logical financial decisions. There are so many people that are like "minimum payment option? awwwww yissssssss"