content: Account Deleted By User I've been good to my lenders. I never miss a payment on time. Now I can borrow and pay back with interest at a VIP rate. My banker says so. Got me a 'preferred' rate and American Express gave me a special card they make special just for their special borrowers. The pre-approved offers are rolling in. They all want me. Me.  Sure, with all the interest I paid on student loans and other interest over the years I could have made a massive down payment on a small condo by now, but who wants to own a condo? I'm qualified for a great rate on a mortgage for a house. Once I get the mortgage on the house I can borrow more money against it. What am I supposed to do, live like a restrained monk? It's the current year and we need to be impulsive and live while we can, grandpa! WEEEEEEEWWWww!  I need a bigger TV. Gotta update my wardrobe. I need to be seen in the hottest nightclubs and fanciest restaurants. Shots! Vacations. The new iPad came out and it has more storage than ever. Have you seen the 2019 Z3? It has dual cam with turbo blast™.  I'm going to use my credit score to get a third mortgage, lease that Z3 and get a motorcycle. Anything else I want and need; credit cards. Jealous? You probably can't even get approved for a Best Buy card. Maybe with good behavior you can join the club someday and you'll understand. Money's not for buying durable goods. Money's for making loan payments.