[robot_no_421]

I'd argue that you're not really using the credit on your credit card as a credit card. You're using it as a charge card.

Exponential growth is a fundamental concept of financial literacy. If you want to invest in the stock market or plan your 401k it helps to understand exponential growth. The reason why it's impossible to get rich off a wage is because of the difference between exponential vs linear growth.

>I don't spend money I don't have.

You've never taken out a mortgage or opened a margin account? Plenty of responsible people make money by spending money they don't have every day.

[BenjiWiebe]

Sorry, yes. I do spend money I don't have, just not in the context of credit cards, as they have terrible interest rates. I go to the banker to get a loan.