While you are patting yourself on the back for being 'debt-free' and hoarding cash, your money is being stolen right out from under your nose. It’s called inflation. Between January 2020 and January 2023, the United States experienced a cumulative inflation rate of roughly 15.98%. That means the cash you sat on lost nearly 16% of its buying power in just three years. We call it The Inflation Heist. And honestly? It’s the only way to win when the game is rigged.

Stop listening to the "good vs. bad debt" gospel. It's a trap for employees, not entrepreneurs. Your house isn't an "asset"—it's a cash-eating liability murdering the real American Dream. For builders, there's only Tool Debt. This article teaches you to stop asking "is it bad?" and start asking "WTF is my ROL?" (Return on Loan). We'll show you why a 20% APR card can be a genius move, and 0% APR is the ultimate cheat code. Stop judging your debt and start using it to build an