Awesome post Matty, and you really do bring up a good point. Of course many will say that if I just change it won’t make a difference ? But that’s not true, it always has to start with someone and then the Domino effect comes.
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Every dollar we don't spend with credit saves a percentage of a fee the banks would get, and potential future compounding interest they'd get plenty more money from. Aside from person-to-person activism, it's literally as simple as dollar-by-dollar.