http://www.daveramsey.com/
Guy is a millionaire and doesn't even have a credit score 'cause he doesn't use credit cards -- cash and debit card only.
If he wants something, he buys it.
I'm trying to get to living that path now.
Fuck credit card companies. They offer 0% when you don't need it... and 25% when you really do.
Cash is the way to go anymore.