| ▲ | ghaff 3 days ago | |
It will absolutely not be zero once you consider costs, effort, future obligations, etc. But, by all means, do what makes sense for you. | ||
| ▲ | dzhiurgis 3 days ago | parent [-] | |
It can be if you over-provision, but I agree, 0 isn’t the sweet spot, especially if you have bad credit. | ||