@MJ Berst Appreciate that! I’ve spent about half my career overseas, so it feels good being back stateside. I don’t really keep up with sports, but I’ll always root for anything Chicago. Arizona’s been a nice change of pace though. Great weather, good food. It’s usually steak or beer brats for me. I work on my CTS Coupe or whatever I’m driving at the time. My biggest money and mindset shift has been focusing less on chasing income and more on building systems that grow wealth consistently. Once I learned how to make money work for me, everything started to change.

@Adelina Rosa Hey, thank you!

- @MJ Berst You are so right The U.S. Dollar Index (DXY) has declined by about 10-11 % in 2025 so far. - Chase Savings℠: Offers a 0.01% APY.  - Chase Premier Savings℠: Offers a rate of 0.02% APY. - That's no money! - Investing returns 8 - 10% a year! - HYSA are giving 3 - 4.50% a year no lock up

@MJ Berst Sent you a DM Best High-Yield Savings Accounts of October 2025: Up to 4.51% - NerdWallet

And those credit card companies don't care about you or your financial situation. They will close those cards in a heartbeat, and you will be SOL for 7 years!

@MJ Berst Yes experienced this during the Federal reserve's QT

My Debt Journey (Example Flow) Step 1: Listed everything out → I faced the numbers, even the scary ones. Step 2: Picked a strategy → I used Avalanche because my APRs were brutal, but I mixed in Snowball at first for quick wins. Step 3: Found extra cash flow → I pulled from side hustles, rentals, and extra personal income. Step 4: Built accountability → I tracked progress monthly and shared milestones. Step 5: Protected momentum → I automated payments, kept my “why” in front of me, and avoided adding new debt.