If you’re in here early, I appreciate you. We’re at the beginning stages of building this community, so bear with me while we funnel more people in and get this room active. Real growth takes intention, promotion, and consistency and I’m committed to all three. This isn’t going to be a ghost town. It’s going to be a room full of thinkers, builders, and people serious about becoming more literate in life. Every strong community starts small. If you’re here early, you’re foundational. Stay engaged. Ask questions. Start conversations. When more people come in, they’ll walk into a room that already has energy.

Credit is not a flex. It is a tool. In this section we break down: • Utilization • Profile structure • Limit increases • Risk management • Credit stacking • Long-term strategy We do not: • Chase random cards for aesthetics • Close accounts emotionally • Panic when limits shift • Spread misinformation We build profiles intentionally. Your credit score is not your identity. But understanding how it works changes your leverage in life. Ask smart questions. Be open to learning. Challenge ideas respectfully. We are here to understand the system, not complain about it.