We always use & carry cash. We don’t believe in credit cards. Only have a debit card which we rarely use. I learned early on to pay cash. We are debt free, mortgage free. Financially secure. We live within our means with only the occasional splurge. Do I think paying with cash helped? Yes. It’s too easy to go over a budget when you use a card. Yes, you may get points & cashback, but if your card is stolen, ALL your money would be stolen via identity theft. Whereas just the money we had in our wallet would be.