I've never been a credit guy but I must say, good job on trying to think ahead (if you choose to use credit). I totally understand what you are saying. Now, use this train of thought to start some type of small, cheap business now and keep thinking ahead. But.... act now.... otherwise you are what's known as a dreamer. Not ready for a business? Sure you are..... now start a business by next Wednesday. But, if you really aren't ready to start SOME kind of business today.......... you probably never will be ready. Since I was 11 years old my sister has said she was going to move from her small town to a bigger town..... I'm 53 now Nowadays I just make fun of her for still saying it. Don't be like her and don't try to make excuses for yourself now; just do it! Do you want me to make fun of you in 42 years when you're still saying.... I'm not ready right now.....