Too Cool For School

[Jake]

I never carry a balance on a credit card, but if you need new furniture or something, 0% interest deals are everywhere. 

This is a good point to call out, especially if you're fresh out of college and not really swimming in liquid cash. Credit cards can be scary, as can financed *things* in general, but if you can get a credit card that's "0% for 12 months" or get 0% furniture financing or whatever, it does open a few doors provided you can absolutely 100% pay it off on time.

I've done it with furniture, a new TV, and maybe some car parts. All cases where something needed buying due to failure or being the right time without the right money. Pay it off on time (or early), pay zero interest, call it a day.