1. In general, men and women think and communicate differently. Learn to embrace those differences…and never assume that anyone (male or female) communicates or thinks the same way you do.
2. “The rich rules over the poor, and the borrower is servant to the lender.” Proverbs 22:6-8
Credit is one thing. Debt is another thing entirely. Credit opens up options when managed properly. Debt limits options when mismanaged. I have had several discussions lately with couples who either have kids or are thinking of having kids and lament not being able to have one parent or the other be able to stay home with the kids because of debt. Eliminating debt and adjusting lifestyle to live within your means on one income opens up the possibility of doing things because you want to instead of because you have to.
Personally, I recommend skipping credit and debt altogether. It is possible to pay cash throughout your life if you plan ahead.
3. "One size fits all" doesn’t.
What works well for you may not work at all for someone else. If you don’t believe me, ask me to get into a Mazda Miata sometime. It’s not pretty.
4. Subtle hints don't work well with men. Try using a sledgehammer.
Really. It’s true. Men are simple creatures. If we want a beer, we say, “Would you please get me a beer?” We don’t drop a hint like, “Gee, a beer should be nice right now…” expecting someone to automatically know that our expressed desire for said beer was directed at you in the expectation that you will fulfill said desire. I once knew a guy whose pick up line was “Do you want to [screw]?” Surprisingly, he was successful with that approach more than once. Unsurprisingly, his rejections involved physical violence. The point being, ask a guy directly for what you want instead of vaguely hinting. You’ll see better results that way.
5. “Life is hard. It’s harder when you’re stupid.” John Wayne (allegedly)
Not knowing something is one thing. That can be fixed. Being willfully ignorant because you don’t want to know or, worse, ignore facts you know to be true because they don’t fit your preconceived notions of the way things should be is quite another thing entirely and quite hard to fix I might add.