LOL! You sound like me. The IRS put a lien on my bank account 10 years ago. That was the last time I had a bank account. Now I pay everything with cash, money orders or pre-paid credit cards. Never again and I don’t give a damn what it does to my credit.
/johnny
“That was the last time I had a bank account. “
I guess that means no retirement monies anywhere but maybe in land. No investments, pretty meek lifestyle to live.