𝐇𝐞𝐫𝐞’𝐬 𝐖𝐡𝐚𝐭 𝐓𝐡𝐚𝐭 𝐌𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐘𝐎𝐔! The headlines said $1.17 trillion, but today it's already closer to $1.23 trillion. People aren't overspending - they're swiping to survive. Groceries. Gas. Rent. Life. With 20%+ APR, the price of owing money has doubled. Millions feel like they're working for their credit cards rather than for themselves. Here's the truth: The system is designed to keep you paying, not progressing. But you CAN beat it. The Credit Avenger Plan 1️⃣ Stop the bleeding - pause unnecessary swiping. 2️⃣ Stabilize - build a small emergency buffer. 3️⃣ Attack smart - use Debt Snowball 2.0 + high-APR targeting. 4️⃣ Renegotiate - creditors WILL work with you if you know how. 5️⃣ Earn with purpose - side hustles fuel debt payoff, not lifestyle upgrades. You're not stuck - you need a strategy. 👇 Comment "I'M READY" and I'll send you the next step to take back control. Want full support and a proven system? 👉 Join the Credit Avenger Academy - where we turn debt stress into financial comeback stories. Let's fight back. 💪🛡️

Due to scheduling conflicts, I'm moving our weekly meeting to Tuesdays at 6 PM Central. I have college assignments due that day, and I know many of you also have church or family commitments on Wednesdays. This new time should make it easier for more members to join consistently and stay engaged. Thanks for rolling with the change—your time and energy matter, and I want to make sure we're meeting when it works best for the group. If this new time works for you, drop a 👍 below! If not, let me know so we can explore alternatives. https://www.skool.com/live/XWtpwmfHM9R

You don't overcome fear by wrestling it. You overcome fear by understanding it. You don't overcome debt by paying minimums. You overcome debt by strategic, intentional action: - Weekly payment habits - Knowing your numbers - Behavior change - Awareness instead of avoidance Final Thought Alan Watts believed enlightenment begins the moment you stop falling for illusions. Debt freedom begins the moment you stop believing the lie that "minimum payments are enough." Wake up. Look clearly. Take action. Financial enlightenment starts today. I am the Credit Avenger.

When Peter Griffin said that, he wasn’t joking…He was speaking for half the country. So how many American families actually have this problem? A lot.A “Holy crap, Lois!” amount. Let’s break it down: 📌 1. 48% of Americans go into debt EVERY holiday season. Nearly half the country digs a holiday hole they spend months climbing out of. 📌 2. The average person adds $1,500 in new debt—JUST for Christmas. And that’s per person, not per family. 📌 3. 35% of people still haven't paid off LAST YEAR'S Christmas. Meaning they’re paying interest on gifts they don’t even remember giving.(Or gifts they’re still paying interest on despite the item being broken, lost, or eaten by the dog.) 📌 4. Credit card companies LOVE December. The average U.S. credit card APR is 22–27%, which means: - You spend $1,000 - You think you’ll “pay it off next month.” - The credit card company says, “We’ll take $300 in interest for Christmas. Thanks, champ.” 📌 5. Most families need 3–6 months to recover. Which is why “No credit card till June!” isn't a joke. It's literally the timeline Americans need to undo the holiday damage.

To all my American friends in this community—may your day be filled with people you actually enjoy, food you didn’t have to cook all by yourself, and the kind of peace that reminds you you’re doing better than you think. 🍁 As we head into the holidays, I’m grateful for every one of you who shows up here ready to learn, grow, and take back control of your financial story. This is how we build lighter loads, smarter plans, stronger credit, and a whole lot less “hustle for the sake of it.” Here’s to more clarity, more confidence, more wins, and a future where your money works for YOU—not the other way around. 🧡 Stay thankful. Stay curious. Stay empowered. I am the Credit Avenger. ⚡️