💰We pay off our credit cards in full bc we’ve seen how banks profit off our families and that’s not gonna be us! 💰No monthly car payment. NYC transit is accessible & cheap, and if we ever buy a car, it’ll be cash. 💰We keep a fully funded emergency fund in our HYSA so unexpected events never become debt. 💰We use 0% APR loans strategically to let our money work while we pay the banks the bare minimum. 💰We advocate for ourselves by asking for promotions and job-hopping every 1–3 years. 💰We al