I moved back into my parents' basement at 26 to pay off my $10,000 credit card debt. It was embarrassing, but I'm now almost debt-free.

After graduating in 2019, Danny Stewart lived with his parents while working in communications to save money. At age 25 he moved into an apartment in Chicago and worked full-time as a PR associate while paying $1,500 in rent. He had no prior credit card and opened one to defer costs and avoid draining savings. He soon opened a second card and accumulated nearly $10,000 in credit card debt by age 26. He had previously managed money without credit by using student loans and two jobs. He paid off the debt by making lifestyle changes, including using credit cards more cautiously and limiting them to emergencies, while also adjusting spending and responsibilities after the COVID-19 period.

"When I opened my second credit card in 2023, it wasn't because I wanted to buy anything extreme. I wanted to pay my rent, split some of my expenses, and have a decent social life. My salary was stret"

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