Neil912

I would really work on building that credit because it will really help you down the line when you plan to buy a house, need a loan, emergency funds, etc. You might think you need it now and that would definitely solve that feeling of instant gratification. The average person is suffocating in debt and what seems cool now will just piss you off later in life.

For example, I was loads in debt due to poor choices and not maturely saving my money while I was in the military for 6 years. My credit score was very good though because I was never delinquent on a payment. It got worse when I decided to use my GI Bill and still not have enough income coming in. I got tired of it and decided to go back to Afghanistan as a contractor and I am now a year and a half in. I could have blown all my money so far and got a 2014 GTR Black Edition that would have made me the happiest dude in the world, but instead I got a 2014 370z with a good MSRP reduction. I was able to pay in cash for it and now I have the opportunity to get my Master's Degree when my GI Bill runs out and I don't have to worry about being in debt. Patience is all you really need because something better is going to come your way and you will end up being happier for it. Instant gratification will be your downfall. Just my 2 cents and some extra 2 cents...:P

Crazy story on the accident though and good to see you are fine after that...holy crap really. Conceal carry is your friend.