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Owned by Darius

Fully Vested

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Master money. Build freedom. Crush debt fast, invest automatically, and own assets that pay you back. Simple systems. Real results.

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9 contributions to Every Day Rockstars
📈 Day 22: Start Where You Are (Investing 101)
Today we’re cracking open the door to investing, but without the Wall Street jargon or TikTok hype. You don’t need a finance degree or six figures in the bank to get started. You just need a system, a strategy, and a starting point. P.S. I’ll also show you how to use STASH + my free course to start investing today. Shout out to @Keith Marvicsin who already started his account! What’s one thing that’s always confused or intimidated you about investing? Drop it below 👇
📈 Day 22: Start Where You Are (Investing 101)
1 like • Oct 23
- @MJ Berst You are so right The U.S. Dollar Index (DXY) has declined by about 10-11 % in 2025 so far. - Chase Savings℠: Offers a 0.01% APY.  - Chase Premier Savings℠: Offers a rate of 0.02% APY. - That's no money! - Investing returns 8 - 10% a year! - HYSA are giving 3 - 4.50% a year no lock up
2 likes • Oct 23
@MJ Berst Sent you a DM Best High-Yield Savings Accounts of October 2025: Up to 4.51% - NerdWallet
Plastic Promises 💳
Today we’re talking credit card rewards -- the shiny perks that make debt look sexy. Are points and cashback a smart play? Sometimes. But here’s the real question: Are you using the card… or is the card using you? We’ll break down when rewards make sense, when they backfire, and why your emergency fund is still the real MVP. Go deeper. Spend smarter. Trust less. 👀 👇 What’s the weirdest thing you’ve ever justified buying “for the points”?
Plastic Promises 💳
1 like • Oct 17
And those credit card companies don't care about you or your financial situation. They will close those cards in a heartbeat, and you will be SOL for 7 years!
1 like • Oct 17
@MJ Berst Yes experienced this during the Federal reserve's QT
Your job today? Face the numbers...
Day 15 is here and we’re digging into the origin story of credit cards -- who they were designed for, how access has evolved, and why credit card debt feels so overwhelming (spoiler: it’s designed that way). Today isn’t about shame, it’s about awareness. We start the plan tomorrow 💳
Your job today? Face the numbers...
1 like • Oct 17
My Debt Journey (Example Flow) Step 1: Listed everything out → I faced the numbers, even the scary ones. Step 2: Picked a strategy → I used Avalanche because my APRs were brutal, but I mixed in Snowball at first for quick wins. Step 3: Found extra cash flow → I pulled from side hustles, rentals, and extra personal income. Step 4: Built accountability → I tracked progress monthly and shared milestones. Step 5: Protected momentum → I automated payments, kept my “why” in front of me, and avoided adding new debt.
Your Money Mindset
You’ve made it through two weeks, and today we’re pressing pause on the numbers to check in with something even more important: your money mindset. Day 14 is all about how you think about money because this shapes how you earn it, spend it, save it, and grow it. Old beliefs don’t build new results -- so let’s shift them. 👇 Drop a comment: What’s one money belief you’re letting go of... and what are you replacing it with?
Your Money Mindset
1 like • Oct 15
@MJ Berst The liquid cash but I can't beat my rate and the tax benefits.
1 like • Oct 15
Done -
From the archives...
Day 13 is an oldie but goodie. Today, we do a brief overview on DIY credit repair 💳 Did you know even one late payment can ding your score for years? Thankfully, it’s not the end of the story. I pulled my reports, found a few single late payments, and sent goodwill letters to each company. These aren’t disputes... they’re respectful requests asking creditors to remove a one-time slip from your record. Own the mistake, explain the situation, and show you’ve fixed the issue (like setting up auto-pay). You’d be surprised how often they’ll say yes. I don't teach my credit repair course anymore, but if you need help, I have a trusted resource I am happy to connect you to. Have you ever had a late payment? How did you address it?
1 like • Oct 14
I remember this process took a little time but was well worth it. My mindset at the time was let me manage my life and credit, as seriously as I manage processes and people for my job!
1-9 of 9
Darius Ellis
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4points to level up
@darius-ellis-8326
Investor & Author | Founder @ Fully Vested | Helping people master money & invest for freedom.

Active 15h ago
Joined Oct 9, 2025
ENTP
Arizona
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