In my opinion the surest way to end up in poverty and bankrupt is to have credit card debt that you can not pay off in full every month.
I am not a genius, I had to learn from my mistakes and trust me when I say I made plenty of them when younger. But I did learn one thing for sure and that is a debt free life is the best life....
In a recent piece I did on the whiny fag-boy Otto Warm Beer, I said he was probably a Jew. It turns out, he is a confirmed Jew and his family covered it up for some reason.
