Most people that we meet aren't in too much trouble with consumer debt; often proudly announcing they have never had or don't use a credit card, or did have one and now that they have paid it off they will either cut it up or will never use it again.
Whilst Think does not advocate maintaining credit card debt and paying high interest, the benefits of using credit cards wisely can be advantageous. By using a credit card, and paying it out on the due date, you will pay no interest. At worst, there will be an annual fee. However, the benefits can be amazing.
This is all part of the education and wealth mindset; we train our clients in a way that they will reap financial benefits many times over. As always, if you find yourself constantly talking about what YOU know and what hasn't worked for YOU - the big red flag there is to learn from someone who knows more than you.
The jump from "fear based" financial feelings to the feeling of being confident and making great decisions is just knowledge and taking action. No action - no change in your current circumstances.
That's what Think teachers you and we do it over and over and over again.