@workthatcass: Replying to @LadyPhenom I know closing a credit card can impact your credit score — and I’m doing it anyway. I’ve had a 770+ credit score, I understand how credit works, and for me, becoming debt-free is more important than optimizing my score. I already own my home and car, I’ve been paying cash for everything for the past 7 months, and I don’t plan on borrowing money anytime soon. But the BIGGEST reason? I know myself. I’ve paid off debt before just to rack it right back up. So this time, when an account is paid off, I’m removing the option completely. My goal isn’t a perfect credit score. It’s $0 debt. 💸 #DebtFreeJourney #DebtTok #DebtPayoff #CreditCardDebt #PersonalFinance