Should You Borrow Against Your Portfolio to Kill Credit Card Debt?
Compare portfolio loans (3-7% interest) vs 0% APR balance transfer cards. Keep $60k credit card debt? Use both strategies for $1-3k savings. Rates, margin call risks, calculator.
-
-
Debt Benchmarks for Entrepreneurs: Business Debt, Personal Debt, and the Line You Cannot Blur
Entrepreneur debt is categorically different from W2 debt — and conflating business and personal debt is one of the most common financial mistakes business owners make. Here’s the framework for managing both.
-
Debt-to-Income Ratio for FIRE: The One Number That Tells You If You’re On Track
Your debt-to-income ratio tells lenders how risky you are. For FIRE seekers, it tells you something more important: whether your debt load is compatible with early retirement. Here’s how to calculate it and what to do with the number.
-
Good Debt vs. Bad Debt on the Path to FIRE: A Framework for Every Life Stage
Not all debt destroys wealth — some debt builds it. Here’s a framework for distinguishing good debt from bad debt at each stage of the FIRE journey, with real examples from each category.
-
Pay Off Debt or Invest First? The Math That Finally Answers It
Compare your debt interest rate to investment returns. Pay off debt >8% first, invest if <4%. The decision framework that works for your situation.
-
Debt Benchmarks by Age: How Much Is Too Much, and What to Do About It
Not all debt is equal, and “how much debt is too much” depends entirely on what stage of life you’re in. These age-based debt benchmarks help you figure out whether you’re in a dangerous position or on a smart path.