I don’t actually fear money, that would make things very difficult, but I fear its effects; in the world we live in money is everything and these days that means access to credit and it can make a huge difference in your life, some will have access at low interest rates, some will have it at high interest rates and others cannot get credit due to bad credit or something else. So I spend a good amount of time maintaining my credit to make sure I can get a loan when I need one.