Using Credit Cards 103

After the debt explosion between ages 25-45, it's time to become advanced credit card users.
The first step is to pay off our credit cards altogether. The next step is to avoid taking on other debt from expensive cars, RVs, boats, RVs, and motorcycles.
This timeframe is when midlife crises can strike at the cost of our wallets. We cannot prevent financial emergencies if we overleverage ourselves with adult toys.
Therefore, it is vital we build our emergency and maintenance funds, increase our cash flow, and keep a zero balance on our credit cards.
Once we build up our emergency funds completely, we can set ourselves up to become expert credit card users.