Knowing your credit score and not knowing your net worth is the financial equivalent of knowing your blood pressure but not knowing what you ate for six months.

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huh, imagine that.

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Your tax refund is not a bonus. It is an interest-free loan you gave the IRS and waited twelve months to get back.

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yep, pretty much.

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that is not a plan.

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Minimum payments on student loans feel like progress. The amortization schedule says otherwise.

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first of the month feels fake.

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Credit utilization below 30% improves your FICO score. It does not reduce what you owe. Those are two completely different outcomes being conflated constantly.

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cash flow positive. net worth negative. that gap has a name.

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Your W-2 shows what you earned. Your net worth shows what you kept. Most people have never compared those two numbers in the same room.

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