Kind-of-Lost

“Die with Zero”: Book Report (haha)

The book “Die with Zero” by Bill Perkins has been creating a buzz in the financial and self-improvement communities. This book aims to help readers achieve financial independence and live a life without regrets. It emphasizes the importance of having a financial plan in place so that you can die with zero – meaning, without any debt or unfinished business.

In this blog post, I will review the book “Die with Zero” and discuss three key lessons I learned from it. I will also share one aspect of the book that I did not like.

670 credit score: what it means and how to move it

People often ask me about a 670 credit score because it sits in an uncomfortable middle ground — not bad enough to be obviously broken, not good enough to stop getting dinged on rates and approvals. I’ve talked to buyers who are there and frustrated, and I get it. You’re one tier away from “good” by FICO’s definition, which means you’re close but still leaving money on the table.

Epitome of herd mentality

In a world where everyone seems to follow the same trends, it’s easy to fall into the trap of herd mentality. But let’s be real here – following the crowd won’t get you very far in life. And if it gets you far it probably won’t be much fun. In fact, it can be detrimental to your personal growth and success. So, let’s take a moment to explore some good examples of herd mentality, and how to break away from it.

What would you do if you weren’t afraid?

What would you do if you weren’t afraid? This is a question that has been asked countless times, and for good reason. Fear can hold us back from achieving our full potential and living the life we truly desire. But if we can find the courage to face our fears and take action, we can unlock a world of possibilities.

Authorized user tradelines: how they work and what to actually look for

The question I get from buyers is usually some version of: does it matter which tradeline company you go with? Or is a tradeline a tradeline? The company matters less than the card — specifically which issuer it’s from, how old it is, and what the limit is. Those are the three things that determine how much an authorized user tradeline actually moves your score, and they’re the variables most buyers don’t dig into before purchasing. If you’re wondering whether you can pay to be an authorized user on someone else’s account, the short answer is yes — and it’s a common way to build credit quickly.

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