Image for post
Image for post
Credit: Morning Brew on Unsplash

When talking about money, personal finance writers often focus on just the cold hard cash. …

Image for post
Image for post
Credit: Ales Nesetril on Unsplash

Whenever someone learns that my wife and I charge almost all of our expenses to credit cards, they often assume the worst: that we’re living outside of our means, drowning in debt, and paying exorbitant amounts of money in interest — none of which are true. Actually, it makes much more financial sense to ditch your debit card in favor of credit, which is probably why Americans with higher incomes tend to prefer it as their primary method of payment.

Although I’ve only used credit cards for the last three-and-a-half years, they’ve become an integral part of my financial well-being. From better protecting me against fraud to providing much-needed flexibility when living on tight budgets, switching from debit to credit has been one of the best financial decisions I’ve ever made. …


Therin Alrik

I write about culture and personal finance. Current MFA student in Creative Writing at the University of Nevada, Las Vegas. Recently featured on NBC!

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store