What if Dave was just quoting the book's intro?

Ha, my buddy tried a similar setup at his bachelor party, some keg on a lazy susan thing. He whiffed so hard he spun it into the pond and we spent 20 minutes fishing it out with a rake. So yeah, quick and fun beats a whole production every time.

The same thing happens with working out or learning an instrument. People quit after a few months because they don't see results, but the folks who just keep showing up end up way ahead of everyone else. Nobody posts about the boring middle part where nothing seems to be happening. Credit building is the same deal. You just kept using the card and paying it off and the score did its thing in the background. Most people never make it past the first year because they get impatient or mess up one payment.