I hope I never have money problems

[Gabu]

BLUF: DO NOT GET A CREDIT CARD

I wouldn't go that far; what I would say is "DO NOT CHARGE YOUR CREDIT CARD IN EXCESS OF THE CONTENTS OF YOUR BANK ACCOUNT".  They're perfectly fine as long as you're not a moron and think of them as free money.  I pay for just about everything with one because it's convenient.  I just clear off my balance twice a month and check my bank account to see whether or not I actually have the money for what I'm buying.

[Gabu]

Too many people think "I can put it on the credit card and pay it off at the end of the month," only to be surprised by how much they actually spent.

If you're constantly being surprised by how much you spend, you have bigger problems than the fact that you use a credit card.  Unless someone stole your credit card, you should always know exactly how much you're putting on the thing.

[Gabu]

Not having money problems is more about what you spend than what you earn. With the exception of a very few Bill Gates types, it will always be easy to spend more than you have.

Please outline how making $7/hour leads to a comfortable sufficiency.

Live like my grandmother, though I suppose comfortable is a subjective term. In any case, if you stay at a low paying job for a while and act like a reasonable employee, you will most likely get a promotion or a raise sooner or later.

opebo has asked that question a million times and ignores every single answer given because he is a troll out for attention.  Just ignore him.

[Gabu]

money problems...  Checks clearing

That's a good thing, Naso.

I seriously doubt Naso has the slightest idea of what NSF means.

It obviously means "no shortage of funds".