if you are able now is the time to buy shit on credit or payments (not cars) but loans and consumer stuff for your home since the lending will get tougher kind of really ridiculous in the next few years I know I beak off about debt and stuff but really if you are on an old netbook and really want a gaming computer or a chest freezer or a ton of stuff for the house get it yesterday with a world war and economic collapse happening bling out your environment as you will be spending A LOT of time there but be sensible I dont see the creditors just pausing all payments or debt being non existent like only get what you can afford and if you know you are getting a big payment soon get it all now then pay it off later like student loans too here in canada a lot of that shit is pointless but we have interest free loans for students here but like I am going to be taking 3 courses first year will all be free cause I qualify for so many bursaries and grants and next couple years will be at least 50-60% off and settled now I caution people with student shit only go into stuff you are really passionate about and dont go into undergrad bla blah all that weird shit with university you spend YEARS learning about random pointless garbage like I am talking trades cooking hairstyling food supply etc stuff people need like if you are going to spend decades learning how to be a medical doctor at least be sure you would pass a minor first aid course lol if you are a broke artist and want to thrive just get over yourself and get a normal job that assists you in creating your art all day