Stop surviving
paycheck to paycheck.
Start building wealth.

• 35% Payment History — paying bills on time is the #1 factor
• 30% Credit Utilization — keep balances below 30% of your limit
• 15% Length of History — older accounts help your score
• 10% New Credit — too many new accounts in a short time hurts
• 10% Credit Mix — having different types (card, loan) helps

Quick win: Set up autopay for the minimum payment on every bill so you never miss a due date.

• Start with a $1,000 starter fund — this covers most small emergencies
• Then build to 3–6 months of living expenses
• Keep it in a high-yield savings account (earns more than a regular savings account)

Strategy: Automate a small transfer — even $25/week — every payday. You won't miss what you never see.

• Pay minimums on all debts
• Put extra money toward the highest interest rate debt first
• Best for people motivated by math and long-term savings

• Pay minimums on all debts
• Put extra money toward the smallest balance first
• Best for people who need quick wins to stay motivated

• Gross Pay — your total earnings before any deductions
• Net Pay — what actually hits your bank account
• Federal & State Tax — money withheld for income taxes
• FICA (Social Security + Medicare) — 7.65% taken from every paycheck
• 401(k) / Health Insurance — pre-tax deductions that lower your taxable income

Tip: Check your W-4 withholding once a year — adjusting it can mean a bigger paycheck now instead of a refund later.