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If you are worried about leaving yourself with no buffer maybe just hold out $500-1k. The best thing when you are trying to build credit is to keep the payments as manageable as possible. Also, be careful once you get 3-6 months into making the payments. Once you get a little bit of positive push on your credit report you will start to see a lot of credit offers flying your way. Resist the urge to have a plastic baller wallet and only take on debt/credit lines if you actually need them.
-Tim
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