CREDIT & DEBT

What will be your largest expense over your lifetime ?

Housing? Health Care? Education? Taxes?

If you are like most people, no, no, no and no. You will spend more of your money on interest than on anything else. That’s right – renting other people’s money will take more of your lifetime earnings and more of your working hours, than anything else.

Most people don’t put much thought into this, however. A new home is exciting but your mortgage is boring. A new car might be sexy but your car loan is a tedious necessity. A new TV might be fun, but paying for it over time is an afterthought. And therein lies the problem. We have become accustomed to paying for things over time, so we just accept it and don’t give it much thought.

But not giving it much thought will cost you tens (or hundreds) of thousands of dollars extra over your lifetime. Let’s change the conversation and make it as easy as possible for you to make well-informed decisions about how much of your lifetime working hours will be spent paying to rent other people’s money.

In this section we cover:

Building Credit
What you need to know starting out and building credit for the first time. The better your credit, the less you pay in interest.

Credit Repair
How do you rebuild your credit if it’s bruised, correct errors on your credit report that are hurting you?

Debt Management
How do you manage debt to pay it off as fast as quickly as possible, or use debt in intelligent ways to improve your financial condition?

Car Loans
Everything about car loans you could possibly want to know.

Mortgages
Everything about mortgages you could ever want to know, and more.

Credit Cards
Everything you always wanted to know about credit cards but were afraid to ask.

Student Loans
America has mortgaged its future to educate our youth. How will they pay it back?