Quick post on something I see confuse people constantly — even inside this community. "CJ, if I use my line of credit to pay the loan, aren't I just paying interest on two things now?" Yes. You are. And that's exactly how it works. Here's the distinction that changes everything: There's detrimental interest — interest you pay while the bank wins and you get nothing back except a slower balance going down. And there's strategic interest — interest you pay as the cost of eliminating a larger interest charge somewhere else. When your line of credit rate is lower than your loan rate, every dollar of LOC interest you pay is buying you out of more expensive debt faster. You're spending a little to save a lot. That's not a problem. That's the strategy. The Fast Version of the Math Say you have a $25,000 car loan at 9%. You deploy $5,000 from your LOC at 7% directly against that principal. The loan balance drops to $20,000 immediately. Month one interest on the loan drops with it — right away. Yes, you're paying interest on the $5,000 LOC. But you pay that back in months with your regular income flow. The loan doesn't get paid back in months. It amortizes for years. The LOC cost you a little. The acceleration saved you a lot. Two Things to Watch 🔴 LOC rate must be lower than the loan rate. If it's not, the arbitrage flips against you. Run the numbers first. Always. 📉 Your LOC balance must trend down every month. That's your check engine light. Flat or climbing = something's off. Consistently going down = the system is working. The Mindset Shift Most of us were taught all debt is bad. Get to zero, stay at zero. That thinking costs people decades. The real question isn't do I have debt. It's what is each dollar of debt costing me per day — and am I moving money fast enough to cut that cost down? Velocity banking answers that with math. If you haven't run your numbers yet — go use the Velocity Banking Wizard right now. It's in the classroom. Put in your real loan balance, your LOC rate, your monthly cash flow. It'll show you your debt-free date and exactly how much interest you're going to save.

If you need business funding look no further: https://page.fo/100KFunding My friend Felix He is hosting a FREE training tomorrow (March 5th, 10 AM PST / 1 PM EST) on - How To Secure $50K-$250K to Start or Grow your Business at 0% Interest - How I'm able to secure $900k+ in business financing without tax returns - The Best Banks And Strategies To Get High Limit Funding in 2026 - And Free One Bureau Inquiry Removal as a gift for attending the FULL Training BONUS: The VIP Path For those ready to scale faster and get access $100K+ in funding in 60-90 days, he'll share the exact next steps on the call. Here's the thing: This call is LIVE On Thursday's call, you can ask him directly: - "Felix, what banks should I apply to first with my credit profile?" - "How do I clean up my credit before applying?" - What banks or lenders look for to maximize the most amount of funding He'll answer everything. Register here

I apologize for the late post, but I am on a zoom that is dropping tons of value for those that have businesses. Remember, not only is having a business the #1 tax strategy it is also one of the best ways to eliminate debt and build wealth: https://us06web.zoom.us/j/85644983355?pwd=cRNtuPSWbBiWPTrbc76rzJJxTcRsEe.1