Unpopular Opinions

Nobody's required to keep balance. Debit is equal to cash. Meanwhile, credit card issuers just throw money at you for simply using their cards. They make money on network transaction fees. Whether you pay cash or credit, businesses have that cost built into their pricing. Might as well get your money back via reward pints, cash back, discounts, offers, etc. you're overpaying with cash. You could have your cash sitting in a 5% yielding acct, pay by credit only, earn rewards/cash back/whatever AND earn % on your idle cash. Game it. They make money on transaction fees, you get cash back. It's a no-brainer.

Thread: you're overpaying for everything if you use cash instead of a cash back credit card.
 
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Unpopular Opinion
The concept of ‘soulmates’ is unrealistic and undermines the value of real relationships.

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Buying a house as a single person is stupid and it significantly cuts into your retirement savings long-term.
 
I think it's fine to wear band t-shirts of bands you either don't know or haven't listened to. Or wearing them because you like the art. The band still makes money and to be completely honest the art is really awesome. I also think it's fine to buy band merch over just one song. People gatekeeping this is so weird to me.
 
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