Prematurely Pay off Debt while still using credit cards retains you stuck in the debt cycle. This is like inactive in a boat with a grapefruit-sized hole in the side and bailing out the pouring water with a thimble. Once you’re no longer Pay off Credit Cards, you can roll that money right into savings without varying your monthly spending plan one bit. Acrobats on the high trapeze always have a safety net below.
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