@Kay Miller Let’s give @Kay Miller a warm Credit Avenger Welcome

I am not worthless because I still have something powerful to give: choice. As long as I can make decisions that protect my future, I still hold the shield. ,As long as my actions—no matter how small—move me toward stability, freedom, or clarity, I am not worthless. If my life impacts even one person for the better, I matter.And if that one person is me, that still counts.Especially in this journey. If I can offer love, patience, understanding, encouragement, or even a quiet moment of strength, I’m not worthless. If I can show up one more day, try one more time, or take one more step, then I have worth. If I can trust my own judgment, respect my growing wisdom, and honor the battles I’ve survived, I’m not worthless.If others see that value too, that’s a bonus—but my self-respect is the real credit score that counts. I am not worthless. I am a work in progress. I am rebuilding. I am rising. I am a Credit Avenger.

Everyone wants to get out of debt and live free — but very few stop to ask the *real* question: **What story are you telling yourself about money?** Is it “I’m just bad with money,” “I’ll never get ahead,” or “Money controls me”? Here’s the truth I’ve learned in over 7 years working with people like you: ✅ Your financial reality isn’t fixed — it’s a *reflection* of your mindset and habits. ✅ Debt isn’t the enemy. It’s a symptom of how you’ve been managing your mindset with money. ✅ The moment you stop blaming your circumstances or luck and start owning your choices — you "change your financial destiny". I want to challenge you today: - What’s one limiting belief about money you’re absolutely ready to bust? - What’s one new habit or mindset shift you commit to in this group starting NOW? Remember, this is not about perfection. It’s about progress. Share your answers below — let’s fuel each other’s breakthroughs. Accountability is how we win this fight. #MindsetIsEverything #TakeBackControl #CreditAvenger

Let's give a warm welcome to @Jeffrey Harmon

If you're mapping out your retirement plans or helping a client with theirs, location is one of the biggest levers you can pull to make a nest egg last longer. A recent 2026 analysis highlighted that "tax-friendly" doesn't always mean "budget-friendly"—you have to look at the whole picture, including housing, healthcare, and groceries. Here are the top 5 states identified for maximizing retirement wealth this year: 1. Mississippi - Why it wins: It has one of the most retiree-friendly tax policies. The state collects zero taxes on Social Security, pensions, IRAs, or 401(k) withdrawals. - The Trade-off: Sales taxes are on the higher side, but the low housing costs make it a financial powerhouse. 2. Arkansas - Why it wins: Consistently ranks in the top 10 for affordability (housing, groceries, transportation). While it has an income tax, retirees receive a $6,000 deduction ($12k for couples) and pay no tax on Social Security benefits. 3. Tennessee - Why it wins: No state income tax at all. It also boasts low property taxes and housing costs, ranking 8th overall for cost of living this year. 4. Wyoming - Why it wins: Another no-income-tax state with low property taxes. It's great for home ownership on a fixed income. - The Trade-off: Healthcare can be more expensive and less accessible than in other regions. 5. Georgia - Why it wins: People over 65 can deduct up to $65,000 in retirement income per person! Plus, groceries are exempt from sales tax, and Social Security is tax-free. Honorable Mentions: - Oklahoma: Ranked #1 for overall cost of living, though rising insurance costs kept it out of the top 5. - Florida: A classic choice with no state income tax, but coastal housing costs are climbing, so you might need to look inland to find deals. Where are you going to retire?