hahaha the debt show had a reverse process in me as usual lol it let me decide what was an affordable amount of debt to have vs the wonderful things I get for it lol I was like kind of debiting based on my future book success hahaha oh well speculating on future dividends lmao like honestly I dont think the answer is to swear off ALL debt and credit but to really be conscious about what exactly you are taking on and then you can better serve it in your budget :) its like you got a good score and some future successes to bank on fucken do it bro :)