A lot of people say they want more out of life More comfort More freedom More blessings And in the same breath they say they want to be aligned with God But alignment is not about what you want It is about how you manage what you already have You cannot claim faith while repeatedly putting yourself in financial strain You cannot call it abundance if your lifestyle is funded by debt And you cannot call it wisdom if peace is missing God is not impressed by appearances He is moved by obedience and stewardship If you are constantly financing a lifestyle you cannot sustain Chasing an image instead of stability And stretching yourself thin just to look like you are winning That is not growth That is self inflicted pressure Faith and discipline go together Stewardship is proof of maturity And mismanagement always shows up eventually The Bible is very clear on financial stewardship Wanting more is not the issue Being irresponsible with what you already have is If you are buying luxury Financing appearances Stretching payments And stressing every month just to maintain an image That is not abundance That is bondage Debt is not a blessing when it steals your peace Debt is not favor when it forces you to grind just to survive Debt is not obedience when it pulls you out of alignment God does not have a problem with nice things He has a problem with mismanagement If you cannot afford it in peace If it requires pressure to maintain If it forces you to rob your future It is not wisdom And until people understand that They will keep praying for blessings they are not prepared to manage

Let me break this down clearly because these words confuse people and lenders do not interpret them the same way. This is why education matters. CLOSED A closed account is not bad by default. What it means The account is no longer active. Either you closed it, the lender closed it, or it was closed after payoff. What lenders see The history still reports. Late payments still count. Balances can still hurt utilization if money is owed. Closed does not mean removed. Closed does not mean forgiven. Closed still impacts your score. CHARGED OFF This is negative and serious. What it means The lender has given up on collecting internally and marked it as a loss after nonpayment. What lenders see High risk. Major delinquency. Often paired with collections or lawsuits. You still owe the debt. Interest can still grow. It damages credit heavily until resolved properly. DELETED This is the goal in credit repair. What it means The account was removed from your credit report entirely because it could not be verified or was reported inaccurately. What lenders see Nothing. It no longer exists on your report. Deleted is the only status that truly helps credit scores immediately. Settled and paid do not compare to deleted. DISCHARGED This is legal relief, not credit repair. What it means The debt is legally eliminated through bankruptcy or a qualifying discharge process. What lenders see Debt is no longer collectible but the record can still report for years depending on type. Discharged does not automatically improve your score. It removes obligation, not history. The real lesson Most people chase paid Smart people chase deleted Elite strategy uses the right resolution for the right debt This is why you cannot Google your way through credit. This is why due diligence matters. This is why results look different when strategy is applied correctly. There is no such thing as problems, only solutions

Good morning everyone. So I finally reached one of my goals for the end of the year and paid off a debt 3 months early 🙌🏾🙌🏾.

What new skill or strength have you discovered about yourself this year?

I want to take a moment to remind you of something powerful you started this journey for a reason. Growth takes commitment, and the best part is… you’re not doing it alone. Lately, some of us have slowed down or fallen off, and that’s okay life happens. But it’s time to recommit, re-engage, and refocus. Every module, every discussion, and every check-in is designed to unlock your next level. ✨ Remember: - Courses in this community unlock based on your participation.The more you show up, the more content and opportunities you access. - We’re dropping 5 brand-new courses in the next 7 days, and you won’t want to miss them! 🔥 Let’s finish this month strong show up in the community, comment, post your takeaways, and cheer on your sisters/brothers. Your consistency creates your breakthrough. Let’s go, chain-breakers. 💥Your next level is already waiting you just have to show up for it. #StayCommitted #KeepGoing #BossUp #BreakingChains