When you put me in Equifax or whatever, they’re literally like, ‘NO RECORD!’ I’ve never owned a piece of property, and I’ve barely had my name on leases. I’ve never had a credit card or a store charge account. I’ve always operated cash-only. I have a single debit card and a single bank account. And I’ve never bought anything that I didn’t have the cash for. People look at me like I’m crazy when I talk about this.
Have you ever actually written down how much you spend on groceries in a month? I did, after moving from Brooklyn to the Upper East Side. I learned that neighborhoods make a huge difference.