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Picking the Best Rewards Credit Card for You: 2026’s Smart Approach

Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...
Michael Ryan

What Credit Score Do You Start At? What It Means & Why It Matters in 2026

Picking the Best Rewards Credit Card for You: 2026’s Smart Approach

Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...

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Picking the Best Rewards Credit Card for You: 2026’s Smart Approach

Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...

What Credit Score Do You Start At? What It Means & Why It Matters in 2026

"Michael, what credit score do you start at?" It's a question I've heard from hundreds of young adults and new arrivals over three decades....

The 15/3 Credit Hack: Fad, Fiction, or Fast Track to a Better Score? A Planner Exposes the Truth.

Alright, Michael Ryan here, and let's talk about something that’s been buzzing all over social media: the "15/3 credit hack." You've likely seen the videos. Someone...

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Picking the Best Rewards Credit Card for You: 2026’s Smart Approach

Michael Ryan
Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...

What Credit Score Do You Start At? What It Means & Why It Matters in 2026

Michael Ryan
"Michael, what credit score do you start at?" It's a question I've heard from hundreds of young adults and new arrivals over three decades....

The 15/3 Credit Hack: Fad, Fiction, or Fast Track to a Better Score? A Planner Exposes the Truth.

Michael Ryan
Alright, Michael Ryan here, and let's talk about something that’s been buzzing all over social media: the "15/3 credit hack." You've likely seen the videos. Someone...

Negative Credit Card Balance? What It Means & How to Fix It!

Michael Ryan
Spotted a minus sign on your credit card statement and now you're wondering if you've broken the bank or stumbled into free money? ...

Smart Credit Card Balance Transfers: Stop Feeding the Interest Beast!

Michael Ryan
Did you know the average credit card interest rate is hovering around a staggering 21.37% in Q1 2025, as reported by the Federal Reserve. On...

The Best Books For Getting Out of Debt in 2026: Are You Ready?

Michael Ryan
Hi, I'm Michael Ryan, and after 3 decades as a financial planner. I've seen it all: the crippling weight of student loans, the anxiety...

How Long Does It Take To Boost Your Credit Score?

Michael Ryan
That gut punch denial for a car loan? Or the apartment hunt ghosted because your FICO's stuck at 620? I've been there with clients....

How to Strategically Hide Credit Card Utilization Rate & Boost Your Credit Score

Michael Ryan
Ever feel like your credit score is a mystery? You pay your bills on time, but the number just won’t budge. As a retired...

DSCR Loans: An Advisor’s 2025 Guide to Real Estate Investor Financing

Michael Ryan
I’ve spent nearly 3 decades in financial planning, guiding clients through the dot-com bubble, the 2008 crash, and the unpredictable markets that followed. In...

The Payday Loan Calculator: Exposing the True Cost of a Quick Fix

Michael Ryan
Taking out a payday loan often feels like grabbing a lifeline. When you're facing an unexpected bill and your bank account is empty, that...

How to Rebuild Credit By Slashing Your Utilization Ratio: Expert’s Step-by-Step Guide

Michael Ryan
Ever felt like your credit score is a black box, rigged against you? You’re not alone. The national average FICO score dropped to 715...

New Discover Card Designs – The Easy Way To Choose

Michael Ryan
Have you ever wished your credit card felt more personalized? Discover now offers over 130 unique card designs to match your passions and interests....
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