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i don't have a debit card either. it's annoying trying to balance shit and make entries everytime you use it. I just use my credit card for everything, and at the end of the month, i make 1 payment and add 1 line to my checkbook.
If you put 100 bucks a month into a rothIRA at age 20 for the next 40 years, you will have 1.2 million dollars at retirement, given the standard 10% gain the market averages.
If you put it in your toolbox, you'll have 48,000.
your choice.
Whoa! Wait! What?!?!?!? You're getting a job at UPS? No shit. Which one?
UPS is a great company to work for I've heard. My buddy does some mid-level supervisor stuff at one here. He works though at 4am, but makes bank.
i dont even have a bank account..never have...really dont give a fuck either..i feel my money is safer,with me,or in my toolbox at home,and its easy to access if i need it