Here is the thing with miles and points: People spend a lot of mental energy trying to figure out how to get the miles and points, and then they get the miles and points but never use them.
Some people get themselves in a big financial jam, like with six figures in credit card or other debt. Then they feel stuck—it will take a decade to pay this off. It is pretty close to checkmate.
Even if you’re not up to your eyeballs in the financial world, you have probably heard that interest rates have come down a bit. Ten-year interest rates have dipped about 1%. Thirty-year fixed-rate mortgages are benchmarked off 10-year interest rates, so mortgage rates have come down about 1%.
A lot of people are stressed out about money.
No, I’m not being crass. This is serious stuff. If you want to experience true financial freedom, you need to make enough money to essentially say, “Screw you!”
You should never date anyone with a credit score below 650. But what if that person is you?