That just about exactly describes what happened to me.. so at the time I felt like I could make it as a trader so I told them to shove it... The employer was treating me like shit so I told them to shove it and made them eat it on my way out... it's working out well really, I can't flash any credit cards around but cash still works :eek: ... and when you have cash people tend to not treat you like shit and you can negotiate prices better.. when they see a credit card sucker, lots of times prices [for medical and dental services especially] go way up, no credit card, no insurance, prices are surprisingly negotiable.. all in all my life experience with credit and a job was way worse than without...