That was easy. I'm very fortunate that I don't have any debt of my own, or even shared debt elsewhere. It probably won't help my credit rating as a whole, but things are a bit easier on my mind this way.
I guess this point was my way of saying to myself, "Don't get poor over the next few years." Well, I've done that much. This doesn't make me a hero or particularly smart or savvy. It makes me lucky, that I don't have to scrounge and scrape for the basic necessities in life (which is what the $5k limit was meant to imply). I am lucky and have been lucky and hope that that continues.
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