Five scripts for Yanely to film

My dad drove a taxi, and nobody in my house had a bank account, let alone a credit score.

So when somebody offered me a credit card my first week of college, I took it.

By graduation I had four of them, all maxed out, at over 20% interest.

I was teaching in Brooklyn, sending hundreds of dollars a month to interest, and the balances barely moved.

What finally changed it wasn’t a raise.

I went through my old statements with a highlighter, picked one card to attack first, and gave my debt an actual end date.

Eighteen months later I made the last payment.

Then I pointed that same monthly habit at three accounts and filled them every single year.

That’s the whole plan, and I’m teaching it live and completely free on Thursday, October 29th.

Everybody tells you to pay on time, and you absolutely should.

The thing is, your score doesn’t see your payment on the due date.

It sees whatever balance is sitting on your card on the statement date, which usually comes a few weeks earlier.

So you can pay in full every month and still look maxed out to the credit bureaus.

The fix is to pay the card down before the statement closes, so the balance that gets reported is under 9% of your limit.

I’ve been teaching this since 2015, and my comments are full of people who added 70 points, 115 points, and one who went from the low 500s to over 760.

I’m walking through the whole thing step by step in my free live class on Thursday, October 29th.

Most of us got graded on a money class we were never enrolled in.

Nobody sat us down and explained a 401(k) match, a Roth IRA or an index fund.

So we put it off because it feels complicated and a little scary, and every year we wait it feels even later.

I opened my Roth IRA on a teacher’s salary, while I was still paying off my credit cards.

I didn’t buy property, I didn’t touch crypto, and I didn’t inherit a dime.

I filled the same three accounts every year on autopilot, and that’s what made me a first-gen millionaire.

In my free live class I’ll show you the order I’d open them in today and how to automate each one, so it runs without you thinking about it.

You send money home, you cover the light bill when someone’s short, and you’re proud that you can.

But at the end of the year your own savings haven’t moved, and your cards keep creeping up.

You can take care of your family and still build wealth, you just need a plan that puts you on the list too.

I paid off $20,000 of credit card debt on about $40K a year, with nobody at home who could tell me how.

Then I built my wealth with three accounts and a payday routine that now runs by itself.

In my free live class I’ll show you how to set your own Debt-Free Date in one sitting and what to automate first.

If you’ve ever opened TikTok to learn about money and closed it more confused than when you started, that’s not on you.

A lot of what goes viral is the riskiest strategy someone could find, because that’s what gets views.

The way regular people actually build wealth is a lot more boring.

You clear your high-interest debt, you get your credit working for you, and you fill the same few accounts every year, automatically.

That’s exactly what I did, starting on a teacher’s salary.

My Roth IRA alone has gone from $64,800 put in to over $105,000.

I’m teaching the whole order step by step in a free live class, so you know exactly what to do first.