Rains a lot here too. I bike commuted for three or four years in all weather and only got hit by one bus and not on a day it was raining. Cars are dangerous too.

Lol sounds like you have no clue how to improve your credit. Step one is NOT "take on bad loans."

"I value my health, therefore refuse to do cardio." -you, basically.

I don't get a ton of pleasure out of spending. I'm very frugal and it suits me just fine. I have pretty much met my short term financial goals and think I'm on track to retire relatively young, but I am still very frugal because I think it will serve me better in the long run. Maybe I'll retire earlier or maybe I'll do something else with it, but for now it's rather continue to save for whatever opportunities I find in the future, rather than spend it on things I can do without. I don't have any kids to leave it to, though, so who knows maybe I'll die full of regret.

They are optional. You're not in the minority.

I had a conversation with someone about this a while ago. I said, when I was first starting out in life, I would get paid, take care of my expenses, and then if I made it to the next check with any money left over, I'd mentally lock that money away. It didn't even go in another account, but it just wasn't spending money anymore, because I'd already proven I didn't need it. They said, "oh, when that happened to me, it meant I could spend all of the remaining money on garbage, because I'd already proven I didn't need it." Same exact line of thinking, opposite conclusion and action.

Do children require batteries these days? When I was a kid, we ran mostly on breakfast cereal and PB &J.