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[Music] josh is with us in youngstown ohio hi josh how are you hi dave doing great thank you for uh doing the service well thank you how can i help uh so my girlfriend turned me on to you a couple weeks ago and this thought has been in my head ever since i understand your love of credit cards in our lives right my question is if a person has the discipline to live within their means not overspend and stay within their budget would it be permissible so to speak in your system to use a credit card if it can accumulate you money like i have one credit card that ive ever had that gives me five percent cash back on certain things at certain times and not only can i use that money to accumulate for future purposes so to speak as credit that i dont have to pay towards but i can also put that money straight into my account and tax free if i choose again i think the main word is discipline but me personally i have no debt and ive used this to my advantage many times but i was wondering how
