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I don't know if that could've been said any better Harold.

How often are we told and taught to just "go for it. Live in the moment and don't concern yourself with the future. If you do good work...

A few other things I would like to mention:

Look for, and use, every write off and advantage you can find. You don't do this because you deserve this (popular media assumptions aside), but...

I see the savings and CC debate as 2 sides of the same coin. Savings can show prudence and can help mitigate some early risk yet credit cards, and debt in general, can help propel a start up when...