The Credit Card Trap: Why Paying Off High-Interest Debt Should Come First
The data is in: credit card delinquencies are at a 15-year high, yet unemployment remains low. This suggests the “debt trap” isn’t a personal failure of willpower—it’s a systemic gap between the cost of living and stagnant wages. In this article, I break down why eliminating 20% revolving debt is actually the highest-return, lowest-risk “first investment” you can make, and provide a 5-step priority shift to reclaim control of your financial system before you ever place a trade.
Only Three Stocks Qualified. What a Buffett-Style Scan Revealed About Today’s Market
What happens when you screen the S&P 500 using Warren Buffett-style investing criteria? Surprisingly few companies make the cut. In this article, I explore what a Buffett-style stock scan revealed about today’s market, why quality value opportunities have become increasingly scarce, and what that may tell us about risk, liquidity, and the importance of patience in today’s investing environment.