i handed a a drive at goldman saxs. i was able to pay off those bills. in the end i couldn't stomach opening themailil not everybody is as fortunate as i was. i am realistic and know whereof i speak when i say there is no way you can make enough money away from these cardd issuers to let alone pay rental and put a meal on the table. even with good credit, let alone the credit i had, you can still be paying around 15% annual interest. if your credit is not so hot, you might be talking about 20% or 30%. a darn good year for many hedge funds. if you have a big balance, pretty much all your gains will be sucked down the drain. nothing you can do about it. so if you go into credit card debt, stocks will be a hobby for you. stocks can't be the wealth generating machine they should be. all the wealth will be kansas he told out by the amazing wealth destroying powers of the credit card debt. i know i sound like your parents but your parents are right. i said there are three things you need. the second is health insurance. you should nono invest a penny before yo