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I listen to days say all the time how credit cards are the devil and they are the worst thing that one person can use.

And I agree with all of that except so a really long time ago kind of like Dave I at a very

young age I did bankruptcy and since then I learned to live within my means so I've had a lot

of credit cards since then I just paid them off at the end of the month.

I don't have any credit card debt.

I haven't had for over 10, 15 years now.

Good.

So my question is, you know, if I pay off my credit cards at the end of the month,

and I am using them a lot so that I can get, like,

you know, free tickets to travel with my family and stuff like that.

Would you still recommend that I don't do that?

If so, why?

Or is it okay for me to continue using my credit cards as long as I pay them off?

Well, as of this recording, it's still a free country. So you are free to do as you wish, Miguel. And so is it okay? Sure. If it's working for you, go for it. But the reason you called in, there's something inside of you that maybe is thinking, is there a better way? Could I be doing better? Could I optimize if I use my own money instead of

using someone else's and paying it back every month later on? Sure, you could make the argument

and hypotheticals all day long. But the real thing here is you're using it to get free travel,

correct? Does I hear that right? Yeah, correct. And so have you actually added up what it would have cost you?

If you had paid cash, done your own research, found the right flights that work for your family,

like, okay, I got $600 in value out of this, and it cost me $200 for the card for the year.

Have you done the math on that?

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