cool time for this thread to have been bumped, because my last month's CC statement reads:

Current Balance: $0.00

FUCK YA BITCHES U AINT NEVA RUNNIN UP AGAIN.

also, ugh i feel stupid because i opened an ira last year when the thread was bumped, but never put the $5k in so missed a year. i guess i should definitely start this year. wish i had opened one when i was 16, but whatcanyado.