People justify credit cards for the emergency will never even use the card for that reason 90% of the time by the time it is maxed out from the vaction. And going out to eat they look back and say want am i going to do. I was told to open a money market account when i first joined the Military W Bounus put 50 dollars a month in it and as you get promoted and pay increase put half for cost like new tires brakes oil changes. after i pay off a bill like car payment it goes to the account for the next Car I finally after 6 years i could of paid cash for my car and walked away then the dealer wanted to finance me threw some credit union at like 7% went home did online application got pre-approved with 0% for 60 months with 3500 down yes it was Dodge dealerships dodge in general have bad business practice to rip you off and you will say i will never go back agian. like the APR trick Honda 4.9 is about the highest i have seen oowell