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Credit Avengers Q & A Hang Out is happening in 5 days
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Welcome to the Credit Avengers!
Where curiosity meets courage and debt meets its match. Hey Avengers, I'm John Pogue, the Credit Avenger himself - a Navy Veteran, lifelong problem-solver, and your coach-next-door on a mission to help everyday people defeat debt and reclaim their financial power. This community is for people who are done feeling trapped by money and ready to fight back with knowledge, strategy, and support. What We Do Here: Learn how to fix credit and crush debt using the Debt Snowball System Get real-world advice without the fluff or guilt Share wins, challenges, and tools that actually work Build a mindset of freedom, accountability, and progress This isn't just another credit group. It's a movement - built on community, curiosity, and courage. You're not alone. You're an Avenger now.
Prepaid Card Benefits: A Smart Shield in a Cashless World
These days, avoiding cards is like trying to avoid Wi-Fi. Credit cards and debit cards run the modern world, and we are drifting fast toward a fully cashless society. Even the penny has bowed out. The last one has already been minted. Paychecks have followed the same path. Most employers now rely on direct deposit. Paper checks, when they exist at all, are mailed. That means delays, lost mail, stolen checks, and replacement headaches. Worse, a stolen paycheck can open the door to identity theft, and that door is hard to close once it swings open. Now add another reality. Some people’s credit is so damaged that opening a traditional bank account is not even an option. No checking account. No debit card. No safety net. Then there’s the risk factor. If you are dealing with a debt collection agency or an unfamiliar website, handing over access to the same bank account where your paycheck lands is risky. Once money hits that account, it becomes visible, traceable, and potentially vulnerable. One mistake, one unauthorized pull, and rent money disappears before you can react. That’s where prepaid cards quietly shine. A prepaid card acts like a financial firewall. You control how much money sits on it. There is no overdraft risk. There is no direct pipeline to your primary bank account. When used strategically, it allows you to make payments, shop online, and receive funds without exposing your entire financial life. I personally prefer prepaid cards as a layer of protection. When dealing with collection agencies, I never give access to the account where my paycheck is deposited. That account is mission-critical. Bills, housing, food, stability. It stays off limits. Think of prepaid cards not as a downgrade, but as tactical positioning. They offer: - Protection from unauthorized withdrawals - Separation between income and obligations - Access to digital payments without full banking exposure - A practical option for those rebuilding credit or locked out of traditional banking
Why I Am Not Worthless
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.
Q&A meetup is here
Excited to share we are less than an hour away from the Q&A. You can use this post to comment drop questions, or just say hi.
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Credit Avenger Academy
skool.com/credit-avenger
Become a Credit Avenger. Eliminate $6,000 of debt in 3 months with the Debt Snowball 2.0 System and a heroic plan that puts you back in control.
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