At some point, I got a loan for housing. That's it.

I never got the allure to get a loan for anything else. If I don't have the money, I don't buy it. As simple as that. When I pay for groceries, the cashier or machine always asks if I want to pay at once or in chunks.

If I were do that for one thing, I'll end up doing it for ten things. Eventually, I'll continuously be paying the same amount as I would be paying with single-time payments, but with interests on top. Nope, not for me.

Good I don't have to worry about paying for my basic necessities.

I just don't think I have the risk appetite, or the knowledge, to play any of these games.