Before I started my business I was always in the 700-800’s club. I was always a bit irresponsible with cc but things got paid. Fast forward to today; I made some bad investment and financial decisions and now my Credit Karma says I’m in the 500’s. 😖 a few late payments and a stupid loan that tanked my score. Never apply with upgrade. I have to move in October and I’m hoping I can move the needle so that I am not denied on rental applications. I’ve paid for credit repair in the past (TD bank) I negotiated, but my credit has never been this low. This time around I told myself “honestly I think I can do it”. I’ll update you all with my future results. Thank you!

We talk about credit all the time in this community because, used correctly, credit is the ultimate leverage. It’s the fuel that can accelerate your journey to financial freedom. But here’s the reality… Leverage works both ways. When access to credit falls into the hands of those who haven't mastered their mindset, it becomes a cage. Car A might look better in the driveway, but Car B is the one that actually buys you your time back. If you use your credit for material things that depreciate the moment you drive them off the lot, you aren’t using leverage, you’re being leveraged by the bank. How to actually use your leverage: Instead of financing a lifestyle you haven't earned yet, use that credit to acquire assets and skills: • 🏠 Real Estate: Buy a property to rent out for monthly cash flow. • 🛠️ Fix & Flip: Use a line of credit to renovate a distressed property and pocket the profit. • 📦 Business Infrastructure: Purchase equipment for a service-based business that generates daily revenue. • 🧠 Self-Education: Invest in a high-level course or a coach. The ROI on a new skill often dwarfs any real estate deal. The goal isn't to look rich; it's to be wealthy. One car keeps you stuck at a 9-5 just to cover the monthly payment. The other gives you the margin to build an empire. What’s one "material" purchase you’ve passed on recently so you could reinvest that capital into your future instead? 👇