I am completely shocked how many people don’t realize that cash back credit cards are about the best thing you can do to save money every single day. - Get a credit card with at LEAST 2% cash back offered, preferably more - Use this card for literally everything you buy - Treat your credit card like a debit card; don’t spend anything if you don’t have the cash balance to cover it - Every Friday, pay off the entire balance, not leaving a cent unpaid - Withdraw all of your rewards to your bank or your brokerage and invest Everything you buy is now at least 2% off. You will never owe the bank any interest because you are always paying off your entire card before interest accrues. Do not worry about the morality of credit cards overall, or the interest other people pay, or where those rewards come from. That is not your job. Get a good cash back credit card, use it the same way you use a debit card, collect the rewards, and spend as you previously did. Print bands every year. Invest it all.