The "Middle Class" was a 50-year fluke designed to prevent a communist revolution during the Cold War. Now that the threat is gone, the elites are systematically dismantling it. You aren't "falling behind"; you’re being pushed back into the peasantry.
@thereallgab Literally just keeping credit utilization low below 20%, making payments on credit card and auto loans EARLY.
And not using credit for everything, like if I really want a new phone or device I’ll just save up to buy it instead of making payments.
Keep it simple & wait