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this post was submitted on 03 Aug 2024
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I'm never gonna own a home, I can't afford to care for my parents. A nursing home is absolutely out of the question if I'm the one on the hook. It's hard to imagine it being easier in India with the work conditions and wages there.
I've just accepted that I'm gonna rack up credit I never intend to pay and die. And I live in a country that isn't gonna throw that debt on my kids
I'm making sure I have great credit for as long as I can so when im 60-70 I can just get a huge line of credit and go nuts. I don't plan on having any kids to worry about my belongings/debt/estate etc.
Not sure any lender would give that line of credit to you based on your age alone.
What if you get it earlier but don't use it?
They don't give it to you at 0% apr. Most credit cards have insane rates above 20%. They can and will come after just about everything you own.
They charge you money if your balance is 0? Well not here
Oh you meant credit line, not credit? They will quickly shrink that if not used. All the credit cards I haven't used for a while reduced their credit lines wiltin a few years. Some by as much as 10x.
Yes I don't have to use the full thing l. I have a credit card with a 25k limit that I put 2k a month on and pay off.
That's the plan, currently half way to 60 and have a $20,000 line of credit so hoping I can get it up quite a bit before 60 😂
Begin voting for caring governments, who will first consolidate and bargain for elderly care expenses, and then take on the job of elder care itself. It's been shown that removing the mercenary aspect and keeping the service level objectives and performance an openly-discussed metric will result in improved care, longer life and reduced expenses.
It also makes rich assholes pay more for everyone's care, which is kinda neat for me despite maybe being in the top 20%.