Your credit score does not indicate whether you’re financially successful.

That’s worth repeating: your credit score does not indicate whether you’re financially successful. What your credit score does demonstrate is whether you’re good at borrowing money and paying it back.

Rich people got to where they are by not borrowing money. They don’t live on credit. They don’t make installment payments with interest. They don’t know what the inside of a Rent-A-Center looks like. Rich people save their money until they can afford to buy what they want. And with time, they have a lot more money as a result.

Choose not to participate in the credit system. Rich people have figured it out. You can too.