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@dccox55 Me, renter and public transit commuter for years. Sometimes inconvenient but absolutely doable🙂

@wordpracticer The credit score system is not where the problem lies. In fact I think it is a pretty good system. It is the personal finance education that is lacking - people need to learn how to use and manage their debt properly. In terms of car dependency, yes I agree the degree of car...

@wordpracticer Any thing major beyond your current ability to consume. Thats the whole concept of borrowing. No one forces you to buy a car, home, or go to top law school.