so you do exactly what you advise against. If you're off loading your cell phone bill (and minutely harming your credit, i might add) to the next month, essentially turning that into a credit loan, then you are doing exactly what you're saying not to do by saying you shouldn't start to grow until you have EVERYTHING you need. The whole fucking point is that you don't know what you're going to need in the event of an emergency and so having some capital reserve is usually a good idea. However, that is not to say "you shouldn't grow" but rather, be aware that growing has more than just one or two outside expenses. Indeed, changing from one medium to another can cost a lot more than just the medium itself. So, after your third claim tha tyour leaving, are you actually going to leave? TROLL