Ken Van Vorhis

There's a couple of days where I miss it, but I always go back and I make sure that I have each day documented at least.

I've heard about that.

Most of my debt is actually not credit cards though.

So most of my credit card debt is going to be personal loans.

And because I use Schools First Federal Credit Union, I actually have really good interest rates on those personal loans.

Like some of, I think one of them is like less than 10%.

Holy shit.

For like a $5,000 plus personal loan.

I use, I love personal loans because it adds to credit diversity.

That's a big thing for me.

Like I wanted to have a bunch of different types of credit accounts.

And so I took out, I think I have three personal loans right now.

But I made a rule for myself after I broke up with my ex.

I said I would never take out a personal loan again unless it made me more money.

That was my biggest thing.

You know, I almost took out a $50,000 loan from one of my previous coworkers.

He wanted to give me a 50% interest rate.

Oh my God.

I should have taken it because I wanted to buy XRP with it in October.

Oh, so you actually would have made... I would have made 300 grand.