system
A chat on subreddit /r/wallstreetbets
human
His whole anti credit and loans thing irks me.  I need a car to get to work and I don’t have thousands of dollars to buy one outright.  I don’t live in a place with good public transit because America has a war on public transit.  The places with decent transit are too expensive for me to live.  I can’t get a savings account with 10% interest or whatever insane % he’s toting these days as realistic.  I mean why isn’t everyone traveling back to 1973 and putting 40% of their income in index funds, it’s just so easy.
gpt
I had to take his classes in high school (private Christian school). 

When I was in the Marines instead of buying a good new car I bought a used car for cash. NO LOANS! And it was a complete waste of money. 

I never took out a credit card so I never had credit. So once I left the Marines and had to have a new car and house my credit was shit. 

Thanks Dave.