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Ep.329 How to Decide When Debt Becomes More Expensive Than Growth

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Manage episode 518067700 series 3602431
Content provided by Rosha Entezari. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Rosha Entezari or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

This episode is for anyone carrying credit card or loan debt. If you’re responsible, skilled, and capable of earning more, you don’t need to panic about scarcity—but you do need to take ownership. No one else will pay your bills.

Start with the basics: list all your debts and cut the highest interest first. Every month you delay is money you’re giving away. But go deeper—learn to calculate your rate of return on borrowed money. If your investment makes 10% and you’re paying 10% interest (or more), that’s not profit, that’s risk.

Here’s the tough truth: sometimes the smartest move isn’t holding assets—it’s freeing yourself from liabilities. If your property or side investment can’t beat your credit card interest, selling it to pay off debt might be the wiser play. You can’t build long-term wealth while short-term interest eats your future.

Today’s Move: Write down every debt, note the interest rate, and identify one you’ll eliminate first—then build your repayment plan around real data, not emotion.

Join Peak State Society, a free weekly space for clarity, confidence, and money power:

Send us a text

  continue reading

380 episodes

Artwork
iconShare
 
Manage episode 518067700 series 3602431
Content provided by Rosha Entezari. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Rosha Entezari or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

This episode is for anyone carrying credit card or loan debt. If you’re responsible, skilled, and capable of earning more, you don’t need to panic about scarcity—but you do need to take ownership. No one else will pay your bills.

Start with the basics: list all your debts and cut the highest interest first. Every month you delay is money you’re giving away. But go deeper—learn to calculate your rate of return on borrowed money. If your investment makes 10% and you’re paying 10% interest (or more), that’s not profit, that’s risk.

Here’s the tough truth: sometimes the smartest move isn’t holding assets—it’s freeing yourself from liabilities. If your property or side investment can’t beat your credit card interest, selling it to pay off debt might be the wiser play. You can’t build long-term wealth while short-term interest eats your future.

Today’s Move: Write down every debt, note the interest rate, and identify one you’ll eliminate first—then build your repayment plan around real data, not emotion.

Join Peak State Society, a free weekly space for clarity, confidence, and money power:

Send us a text

  continue reading

380 episodes

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