I'm on the other side of the ocean of life. Never owned my own house and never bought a brand new car. No credit so far either. The only thing I would take a credit for right now, if any bank would give it to me would be to buy crypto. There's no perfect way of life thus in the case of some people credit is the best option.
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I've never owned a brand new car either. I always buy used. The depreciation just happens way too fast.
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