This might cheer you up OP. When I was 20 my first son was born and I dropped out of college and worked for my families business making 35-40k/year never thought about buying a house or how important credit was. When I was 21 split up with the baby momma and still working for family making the same amount for the next 7 to 8 years and was living pay check to paycheck I did not know what the concept of saving money was. you feeling better yet?
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