TULSA, Okla. — Beto Padilla loves taking his 2-year-old to the park.
He said he can do that now because he spent two years climbing out of a financial hole that millions of Americans know all too well.
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“In my early years I had all the credit cards, anything you can think of. I maxed them out and got into debt,” Padilla said.
His solution was straightforward but demanding: he worked two jobs. One to pay his regular bills, and one to pay down the high interest piling up on his credit cards.
Now, Padilla keeps it simple.
“If I don’t have cash in my little wallet, there’s no shopping, no credit, no credit cards,” Padilla said.
When asked why he avoids credit cards, his answer was direct.
“Interest….