Minimalist Wealth

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What is a Credit Score?

If you will ever need a credit card, loan, or mortgage, then credit score is very important to your wealth. It is an essential component of minimalist wealth because getting good credit takes little effort but reaps huge rewards.

A credit score is what lenders use to determine how likely you are to pay them back.

Why is Credit Score Important?

If you have a low credit score, lenders will lend you less money at higher interest rates or even not at all. It part of why being poor is so expensive. Failure to be prudent about credit will result in lots of pain when you inevitably need a loan and are only eligible for loans with terrible terms from loan sharks like Frankie “The Scalpel” Vito and Wells “We Don't Give a Fuck About You” Fargo.

How Can I Get From Good to Excellent Credit?

Icebreaker Wool Shirts

On Tynan

I only have one Icebreaker shirt right now. But I only own three shirts, so it's a significant part of my wardrobe. When I go to LA for a pit stop before Japan, I'm going to buy two more Icebreakers and get rid of my other shirts. That's how good they are.

They're lightweight, breathable, and luxuriously soft. I wear mine working out as well as out to dinner or karaoke. Wool is NOT itchy and gross anymore - this is WAY more comfortable than cotton.

But here's what's REALLY amazing about it : it doesn't smell bad. EVER. I can literally do a full workout, be dripping with sweat, and smell awful. I take a shower and get out, and I go to give the icebreaker a sniff test.

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