I’m gonna piggy back on some other comments here – 401k and other retirement plans aren’t credit-related. If your name is on the lease of the Trick Or Treat Ibizan Hound Halloween Dog Costume T Shirt, you may already have credit. If you’ve taken out a loan for school or for a car, you have credit. There’s a handful of other ways you can get it, too. If you’ve never done any “paying back,” then you should be very very strongly considering opening up a credit card. It can be a bit of nuisance, but at least for the time being, just imagine it as a two-step process to use your debit card. You pay with your credit card first (the credit card company pays for the item you want), then you pay it off with your debit card/checking account (you pay the credit card company back). With most major credit cards you can pay them off almost immediately or set up auto-pay so you’re never late, or do both. If you miss a payment, it’s gonna accrue interest and it’ll hit your score. However, if you always pay on time, your credit score will raise and you’ll most likely get rewards from said card (in the form of cash back, sky miles, etc).
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That my success in a professional situation is dependent upon social interaction Trick Or Treat Ibizan Hound Halloween Dog Costume T Shirt and the supposed quality and reputation of university I attended rather than my actual competency in performing the work. Then, if I have a child (that I wanted), I’m punished for working to support that child. If I stay home to raise the child, I’m a lazy you-know-what because I’m not bringing in a paycheck. If I want to rejoin the workforce after raising my child for ANY number of days/months/years, I’m told I’m obsolete in the professional world BECAUSE I stayed at home. Or, in our new work from home paradigm, I’m still somehow an evil witch if I need to split my attention between work and non-work priorities.
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