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![ChartedWisdom Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1928999352049217536.png) ChartedWisdom [@ChartedWisdom](/creator/twitter/ChartedWisdom) on x XX followers
Created: 2025-07-26 16:04:09 UTC

7) Kill bad debt fast

High interest is an emergency.

Snowball for motivation or avalanche for math, but move.

India: close BNPL and credit card first, keep EPF/NPS intact

US: clear cards first, keep 401(k) match

If it doesn’t cash flow or compound, it is a liability.


XX engagements

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**Related Topics**
[compound](/topic/compound)
[cash flow](/topic/cash-flow)
[credit cards](/topic/credit-cards)
[india](/topic/india)
[debt](/topic/debt)
[default risk](/topic/default-risk)

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