And you wonder why the latest IRS report shows that just under 80% of US households have less then $500 (yes, five hundred) dollars in a savings account and only half of working adults put money in retirement funds. It is insane to see what people spend money on.... Now watch... I will have about 10-15 comments in a row about how they make 6 figures and are awesome at life. Yet, are on this game 3+ hours a day. I love it when people lie to themselves. Remember, people use credit cards because they dont have the money.its pointless either way. just be like the other pros and use gold to get your cultural slots.