[sweeps]

I think a certain amount of debate is a good thing. Many of these issues are not black and white... what works for one person may not work for another. I think as long as we give and take constructive criticism, we can all gain. I have to remind myself of that too.

There's also a question of priorities. If someone's blowing their budget on expensive car insurance or racking up huge debts or whatever, concentrating on how much they're earning in credit card rewards or whether they can gain an extra 0.5% on their savings account is misguided. For others, the time spent in researching things like credit card rewards, 0% credit card offers, and the highest-yielding savings accounts is worth it.