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.

𝐇𝐞𝐫𝐞’𝐬 𝐖𝐡𝐚𝐭 𝐓𝐡𝐚𝐭 𝐌𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐘𝐎𝐔! The headlines said $1.17 trillion, but today it's already closer to $1.23 trillion. People aren't overspending - they're swiping to survive. Groceries. Gas. Rent. Life. With 20%+ APR, the price of owing money has doubled. Millions feel like they're working for their credit cards rather than for themselves. Here's the truth: The system is designed to keep you paying, not progressing. But you CAN beat it. The Credit Avenger Plan 1️⃣ Stop the bleeding - pause unnecessary swiping. 2️⃣ Stabilize - build a small emergency buffer. 3️⃣ Attack smart - use Debt Snowball 2.0 + high-APR targeting. 4️⃣ Renegotiate - creditors WILL work with you if you know how. 5️⃣ Earn with purpose - side hustles fuel debt payoff, not lifestyle upgrades. You're not stuck - you need a strategy. 👇 Comment "I'M READY" and I'll send you the next step to take back control. Want full support and a proven system? 👉 Join the Credit Avenger Academy - where we turn debt stress into financial comeback stories. Let's fight back. 💪🛡️

Due to scheduling conflicts, I'm moving our weekly meeting to Tuesdays at 6 PM Central. I have college assignments due that day, and I know many of you also have church or family commitments on Wednesdays. This new time should make it easier for more members to join consistently and stay engaged. Thanks for rolling with the change—your time and energy matter, and I want to make sure we're meeting when it works best for the group. If this new time works for you, drop a 👍 below! If not, let me know so we can explore alternatives. https://www.skool.com/live/XWtpwmfHM9R

Most people don't realize this, but the same illusions that keep us spiritually stuck also keep us financially trapped. Alan Watts, one of the greatest philosophers of the 20th century, spent his life exposing the lies our minds believe. And honestly? Those lies look exactly like the ones the credit system teaches you. Here's what I mean: The Illusion of the “Separate Self" = The Illusion of “Minimum Payments Work." Alan Watts said the biggest illusion in life is thinking you're separate from everything around you. The Credit Avenger says the biggest financial illusion is thinking minimum payments are “helping.” Both illusions keep you stuck. Because in both cases, you're fighting shadows instead of seeing the truth. Watts’ Teaching: "You suffer because you misunderstand your relationship to things." Credit Avenger Teaching: "You stay in debt because you misunderstand your relationship to interest." Watts taught that once you see clearly, fear collapses. I teach that once you face the numbers, debt collapses. Same principle. Different battlefield. Watts Freed Minds. The Credit Avenger Frees Wallets. Watts exposed: - Ego - Fear - Illusion - The stories we tell ourselves The Credit Avenger expose: - Minimum payments - Predatory interest - Financial avoidance - The lies credit companies hope you never question Watts guided people to inner peace. I guide people to financial peace. The Debt Snowball 2.0 = Applied Zen. You don't overcome fear by wrestling it. You overcome fear by understanding it. You don't overcome debt by paying minimums. You overcome debt by strategic, intentional action: - Weekly payment habits - Knowing your numbers - Behavior change - Awareness instead of avoidance If Alan Watts taught finances, this is precisely the system he'd build. Watts believed enlightenment begins the moment you stop falling for illusions. Debt freedom begins the moment you stop believing the lie that "minimum payments are enough." Wake up! Look clearly. Take action.

When Peter Griffin said that, he wasn’t joking…He was speaking for half the country. So how many American families actually have this problem? A lot.A “Holy crap, Lois!” amount. Let’s break it down: 📌 1. 48% of Americans go into debt EVERY holiday season. Nearly half the country digs a holiday hole they spend months climbing out of. 📌 2. The average person adds $1,500 in new debt—JUST for Christmas. And that’s per person, not per family. 📌 3. 35% of people still haven't paid off LAST YEAR'S Christmas. Meaning they’re paying interest on gifts they don’t even remember giving.(Or gifts they’re still paying interest on despite the item being broken, lost, or eaten by the dog.) 📌 4. Credit card companies LOVE December. The average U.S. credit card APR is 22–27%, which means: - You spend $1,000 - You think you’ll “pay it off next month.” - The credit card company says, “We’ll take $300 in interest for Christmas. Thanks, champ.” 📌 5. Most families need 3–6 months to recover. Which is why “No credit card till June!” isn't a joke. It's literally the timeline Americans need to undo the holiday damage.