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That debt is growing at a rate of 55.19 per second. We are putting off owning homes, buying cars, and making babies in record numbers, and queer and trans folks are dealing with this in addition to issues like workplace discrimination, barriers to creating and being respected as families and parents, and overall higher rates of economic insecurity. Additionally, very few of us these days have an actual emergency fund.

So here we are and you are thinking, Here’s the thing, for those of you who are not planning to live off the grid: if you ever plan to own property, get a loan for a car or a piece of furniture or a household appliance, additional school loans or loans for your kids, you need a history of decent credit. If you, like me and like most people, don’t have a few thousand dollars sitting in a bank in case you have a medical emergency or your face explodes, a credit card is not a bad thing to have as an emergency-only back-up plan. Here’s what you want to look for and consider when applying for your first card.

Citing her adventurous lifestyle, carefree persona, and complete financial dependence on her parents, friends of Maddie Meister agree she is a totally free spirit.

“I’m not tied down by routine,” said Meister, whose parent-funded existence has allowed her to never hold a job of any kind.

A third major difference is CC screens every new member and CM does not.

Also, it provides more opportunities for people to join CC who may not be able to afford a subscription fee otherwise.

In contrast, CM has had multiple problems with the quality of their members.

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