A lot of us are in for the long game, and as you get older, these things get more important. Even if you put away a million a year, millionaires want credit/loans/mortgages too. Unless you want to be flush with cash, but living a poorer lifestyle than what you've earned, because you can't get credit. Have any of you had problems? A good tip is to establish credit history even if you don't need to. Take out a credit card, get those store credit cards, get a small loan even if you don't need it, but only if you have enough cash. People that loan money will take the doctor making $250,000 a year over an IMer making the same any day. That doctor will statistically still be a successful doctor in 10 years. An IMer might not. So you need to show that you pay your bills, and a lot more than one.