- Spend less than you earn - Invest the rest - Repeat for a long time ⌛️ - 🗣Simple doesn't mean easy because it requires discipline! And discipline isn't fashionable!

Alright Tribe, your persistence paid off! I'm excited to announce the winner of the November Contest (11/15 - 11/30)! A huge congratulations to @NaChaamYah ManaWaChaa for securing First Place! 🎉 NaChaamYah, you have earned the top prize: Timo will be adding you to his NAVY FEDERAL membership and helping you get approved for a 5k+ Navy Federal Credit Card! Please connect with me to claim your prize. A Note on the Qualifiers: Unfortunately, we did not have a qualified winner for the Second Place prize for November. Even if a member ranks high, they must meet all the mandatory requirements, and the runner-up did not attend the two required Mindset Mondays. This is a key reminder as we move into the final stretch of the year!🔥 December Contest: Your $40,000 AU Tradeline Opportunity! For the December Contest, we have the ultimate prize on the line: a $40,000 Authorized User Tradeline posting on January 14th! To ensure you qualify for this prize, you MUST remember to:👈 - Show up to (2) Mindset Mondays. - Post any wins in the group. - Rank #1 on the leaderboard. - Like & comment on the contest post. Don't miss out on the biggest win of the year just because you missed a meeting! I encourage you all to attend both Mindset Mondays so you're fully qualified to win!

One of our members asked a really good question today. He asked why when adding the sacred credit build products when everything reports the credit score drops. Simply put, credit age is 15% of your score. When adding new products your score will originally drop, but by following the 4x4 rule minimum you are structuring your report the way the banks LIKE to see it to fund. After 2-3 payments on time, your score will rebound but your CREDIT PROFILE will be much stronger. Also a quick fix is adding an Authorized user Tradeline for a score boost which I always recommend right before funding. See you guys on Mindset Mondays tomorrow !!

Our new member @Kenny Anderson asked a really good question. Credit limit increases with Amex after they cut your limit back. Step 1: Ensure credit is over 700 Step 2 : Open high yield Savings account w/ $500 let sit for 30 days Step 3 : Lock TU and EQ Step 4 : Call for CLI and increase you income by 20% when you apply Step 5 : You should get approved! Hope this helped!