Earn, Don't Pay (Flywheel Stage 4)

There's a specific moment worth naming in anyone's financial life: the day the interest, dividends, and rent coming in start to matter more than the interest going out. Everything before that day is about survival and stability; everything after it is about the equation flipping in your favor.

This track covers what it actually looks like once lending starts beating borrowing — high-yield savings, T-bills, and money markets explained without the jargon — plus the assets that pay you directly (dividends, interest, rent) and a simple baseline for credit card rewards that beats chasing points and category bonuses for most people. The underlying move is the same throughout: stop paying to borrow and start getting paid to lend.