Let's talk about Visa, Mastercard, & American Express. Credit cards SUCK! They are the cigarette of the financial world and can ruin your life. I know, that's controversial...but I want you to WIN with money, not just play the banks' game. Credit cards make them rich, not you.

Do you keep one around for cash back or for airline miles? Let's do the math: If you get 5% back (most don't!), then you have to spend $100,000 to get $5,000 back!

Benefits of cutting up and not having a credit card:

#1 - You can't spend more than you earn!

#2 - You save more money!

#3 - You get cash discounts!

#4 - Fraud is decreased!

#5 - Marketing goes down!

Comment below: why are you keeping your credit card around?