CJ Follini, Publisher
Welcome back, Noyackers!
Imagine a 29-year-old in NYC with a $150k salary, $30k bonus, and promising stock options. On paper, it looks great—until you see $75k in consumer debt from “0% APR” furniture, points-fueled travel that wasn’t fully paid off, and a car loan that grew fast.
This Week's Blueprint
- Read (6 min) — This week we show how to turn credit into a true wealth-building tool with simple rules, a 90-day improvement plan, and a lender-ready credit checklist.
- Listen (9 min) — This week we break down how your credit shapes your net worth—with the core habits that matter, the traps high earners miss, and a simple plan to turn your score into real, lasting wealth.
- Watch (42 min) — This week we talk with Ted Rossman about using credit as an advantage—what actually moves your score, what to avoid, and how to turn borrowing into wealth.
Credit building isn’t a trick—it’s a way to make money cheaper and speed up ownership.
In this edition we walk you through:
The “Credit Illusion” trapping high earners—and how to escape it.
The metrics that matter now: DTI, utilization, and score bands.
A 90-day plan to cut interest costs and boost your buying power
This is infrastructure for your money life. It sets both cost and flexibility—and that shapes everything you’ll own later.
📊 Quick Poll: AI investing is everywhere right now — how do you want to take part in the trend?
Free AI Mastermind — Noyack × Outskill
Through our collab with Outskill, you can join their LIVE 2-Day AI Mastermind this upcoming weekend for free (normally $395).
Learn AI automations, agents, and workflows with a program rated 9.8/10 on Trustpilot. Also gain access to thousands of dollars in bonus AI resources when you attend. Session runs Nov. 22-23 from 10 AM–7 PM EST.
Limited free seats — join now!
Until next Sunday,
—CJ & The NOYACK Team
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