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7 d

🚨 Why Dave Ramsey is Wrong: The Case for Strategic Debt in Family Finance

Dave Ramsey says "debt is dumb"—but what if he’s oversimplifying? While avoiding reckless debt is smart, strategic debt (like low-interest mortgages or business loans) can actually build wealth faster when used wisely.

Not all debt is created equal. The key? Control the debt—don’t let it control you.

Want to learn how to leverage debt the right way? Check out our full breakdown: https://harplight.com/ 💡

harplight.com

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7 d

Why Your Home Insurance Company Hopes You Never Read This

Did you know your home insurance company might be banking on you not asking the right questions? Many insurers count on policyholders to simply renew without checking for better rates or hidden gaps in coverage.

Here’s what they don’t want you to know:

You could be overpaying – Rates vary wildly, and loyalty rarely pays off.

Discounts disappear – Companies won’t always apply new savings unless you ask.

Fine print traps – Some policies exclude common claims (like water damage) unless you add costly riders.
Read more: https://zoonse.com/

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7 d

How to Use a 'Charitable Remainder Trust' to Slash Taxes & Keep More Cash Flow

Want to reduce taxes, boost cash flow, and support a cause you care about? A Charitable Remainder Trust (CRT) could be your secret weapon.

Here’s how it works:
1️⃣ Transfer assets (stocks, real estate, etc.) into the trust.
2️⃣ Receive payouts—enjoy a steady income stream for years (or life).
3️⃣ Cut taxes—avoid capital gains on asset sales & get a charitable deduction.
4️⃣ Leave a legacy—the remaining assets go to charity when the trust ends.
read more: https://jokword.xyz/