Spending more than you have is smart? We have a business and no line of credit, we do just fine that way, I have a credit card some where in my bill fold, I operate personally with green backs that are in my bill fold, when I bought my Elka Stage 5 shocks, went to the bank and got a cashiers check, sent it to Canada, Elka's accounting dept. called me and wanted to know what it was, I had to explain they could take it to there bank and cash it immediately, not wait 2 or 3 days for it to clear, and covered that with the bill fold money, a little under $ 3,000.00! I don't spend it unless I've got it in my bill fold. Looked it up a couple hours ago, the last year the US had a 0 debit was 1/8/1835, we had had some fluctuations since but we've been going in the hole for a long time, our politicians are selling our country, we need a balanced budget! No bank would consider a loan to a business without a financial report, ours/US would look like crap! I forget when we stopped backing money with gold and just started printing money with nothing backing it's value, wonder what happened to the gold? Yea I may not listen, but I look at the numbers, I can do the math.