Core Insights - The article emphasizes that traditional personal finance rules are not absolute and can be adapted based on individual circumstances, as illustrated by Dasha Kennedy's experiences [2][3]. Group 1: Breaking Traditional Money Rules - Kennedy broke the rule of never carrying a credit card balance, prioritizing survival over strict adherence to financial guidelines during tough times [4]. - Financing a car was another rule Kennedy broke, as she needed reliable transportation for work and family, highlighting that financing can be necessary rather than a luxury [6]. - Renting instead of buying a home was a strategic choice for Kennedy during transitional life phases, showcasing that renting can provide flexibility and peace of mind [8]. Group 2: Financial Management Strategies - Kennedy advises that if one must carry a credit card balance, it should be temporary, with a focus on paying more than the minimum to manage debt strategically [5]. - When financing a vehicle, Kennedy recommends not exceeding what one can afford monthly and seeking the lowest interest rates, as the average new car loan now exceeds $40,000 with monthly payments over $700 [7].