Credit card debt is stifling your long term growth! 

- Credit Card Balance: $3,000  
- Interest Rate: 30% APY  
- Monthly Interest Payment: $75  

If you only make monthly interest payments of $75, you’ll pay $900 in interest in one year without reducing your balance.

 If you invested the same $75/month in the S&P 500:

- Monthly Investment: $75  
- Average Annual Return: 8%  
- After one year, your $900 investment would grow to around $972.

By paying interest on your credit card, you lose $900 annually.

 If you invested that money in the S&P 500, you'd gain around $72. 

Investing beats paying high interest — and over time, the difference becomes even more significant.

The KEY is to STOP using the credit card if you have a balance you can’t pay off.