hi, you can take permissions from me before you buy or sell or join or leave anything that costs you money. for example joining an expensive gym, why?!! join a one that is more cheaper! gym's mission is just to make you fit and be healthy, not spending a lot of money. i also advise credit cards and debit cards. should you use them or not? i have the answer! also the business you want to build! i'll advise you for everything that costs money! by everything i mean everything!!