im retired with two pensions i worked hard for and earned. i also receive occasional payments for several tv shows and radio shows i have been on. i have no bills other than internet, cellular, and a small truck payment. i own my home and land which is paid off and i have zero debt. my credit score is 765. i collect zero welfare or handouts and i do not ebeg. i can afford to do just about anything i want with proper planning. i have all day to sit here and mess around on the internet if i so choose to. the only time i cannot is when i have to be in the hospital for care of my permanent disability.