Just terrible.
When I went back to college, I would get there so early and went from room to room tearing off the credit card applications they put out for the college students.
My first credit card only had a $300 limit at my choosing. I barely used it and was happier with much less in my life.
We are debt free except for our mortgage and are looking to get that down soon.
Less really IS more.
Dave Ramsey is correct—the grass really does feel better on your bare feet when your mortgage is gone.