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If youre interested in understanding whats behind the spreadsheet that I use, here is the updated coverage of it:

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If you would like to know how YieldMax funds work, please watch the video below:

If you would like to learn how I trade Options, here is the most recent whitebaord video I made:

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https://www.youtube.com/channel/UCwBOyTmZBwJq6pdkUymdo-Q/join

But here’s the problem ???? there’s a LOT of misinformation out there.

???? Myth 1: You automatically qualify just because you have a mortgage.
???? Myth 2: A HELOC is just a “giant credit card” for vacations.
???? Myth 3: All HELOCs are the same.

Reality: Every HELOC program is different. Terms, repayment, and strategy matter. If you assume they all work the same, you could get blindsided—and that mistake can cost you thousands.

Jason & I are breaking down the 5 most common HELOC myths so you can avoid traps and actually leverage your home equity the right way.

???? Whether you’re considering a refinance, HELOAN, or debt consolidation strategy, knowing the facts is key to protecting your financial future.

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The Clear Close (DBA of West Capital Lending, Inc.) is an Equal Housing Lender; NMLS – 1566096

Nikki Yun – NMLS 13516 | DRE 02116357
Jason Kim – NMLS 1680429 | DRE 02178073
Peter Ahn – NMLS 2664403 | DRE 02252395

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https://nmlsconsumeraccess.org

The Truth About Debt Management and Credit Scores #moneyhabits #money #budgeting2024

???? PLEASE SUBSCRIBE to My Couple’s Channel,
Sitting in a Tree: https://www.youtube.com/channel/UCEhUizCZI_rzTB7WNHG_QfA/

???? FOLLOW on INSTAGRAM!

Tinesha Davis: https://www.instagram.com/tinesha_davis/
My Couple’s Channel: https://www.instagram.com/sittinginatree33/

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???? ABOUT ME:

People ask me this a lot: What do I do for a living? Here’s the answer..I’m a magician. I am. For me, money grows on trees and is as abundant as raindrops falling from heaven. Yup…that’s it, heaven grants me my wishes and my heart’s desires simply because it is law. For real…all sacred texts say so…so why wouldn’t YOU believe it to be true?

But in layman’s terms, I am a computer software engineer by day and a landlord of sorts. I also create Youtube content and these things are the bulk of my income.
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???? BOOKS I WROTE:

You can order autographed books directly from me using Cash.App or PayPal (all books are also available on amazon)

All Black Girls Ain’t Got Rhythm: $7
Holler at the Moon: $11

Price includes shipping and handling

My Cash.App: $TineshaDavis3
Paypal: TineshaDavis@gmail.com

Send me an email with your mailing address and instructions on to whom you’d want it autographed.
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???? The following books are available on Amazon:

A Course in Gratitude by Tinesha Davis, Querin Hamilton and Ashley Williams aka Violet Grace Link: http://a.co/2dITKNb
Holler at the Moon by Tinesha Davis Link: http://a.co/h2B3JJX
All Black Girls Ain’t Got Rhythm by Tinesha Davis Link: http://a.co/2QHupmZ
??????????????????
P.O. Box Address:
Tinesha Davis
PO Box 220312
Chantilly, VA 20153-0312

Email: TineshaDavis@gmail.com
Instagram: Tinesha_Davis

Sign up to my FREE Youtube Basics Bootcamp Here: https://bit.ly/trainingYTbasics

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Our Podcast “Chaos & Peace” : https://www.youtube.com/playlist?list=PLaXYwEiNzbhNdDuHhsAPD7N0UzlBZl4EO

Learn the easy way to beat debt collection lawsuits as in this video, bankruptcy attorney John Skiba will guide you through the process, so you can win without the stress of a trial.
?Click HERE to Schedule Your Consultation??
https://consumerwarrior.cliogrow.com/book

Understand the steps, build a strong defense, and gain the confidence to tackle your debt issues head-on.

Many people lose cases because they don’t know how junk debt buyers gather information or how original creditor lawsuits are proven. In this video, bankruptcy attorney John Skiba explains what these cases mean for your debt situation, helping you avoid costly mistakes.

???? Ready to Break Free from Debt?
???? Not from Arizona? Click here
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? Why Schedule a Consultation?
-Personalized Solutions: Tailored to YOUR situation.
-Expert Guidance: Over 20 years of experience.
-Empowerment: Understand your rights and options.
-Confidential & Judgment-Free: Your privacy matters.

????Representing Yourself? Check out these resources:
http://consumer-warrior-project.thinkific.com/
Forms, Templates, and Tutorials for Defending Debt Lawsuits

??RECOMMENDED VIDEOS??

????Watch: How to Fight Junk Debt Buyers
https://youtu.be/VwUne4eBMaA?feature=shared

????Watch: Defending Against Original Creditor Lawsuits
https://youtu.be/kykHF3mVW0Y?feature=shared

#Debt #JunkDebtBuyers #DebtDefense #DebtRelief #DebtTips #DebtHelp #DebtCollectors

Produced by @hexcreativestudio

KEY MOMENTS
00:00 Intro
01:17 Statute of Limitations
02:18 Motion to Dismiss
03:50 Private Arbitration

#debt #debtcollection #bankruptcy

We sat down with Christopher J Keuler from ONE insurance at the DCASA conference ’25, about insurance claims, how financial stress affects not just one person but an entire family, and why debt review plays a far bigger role than most people realize. #intuitivediscussions

Watch CJ’s: https://youtu.be/hNLy-hQ6HiQ?t=1386

???? Want to support these conversations? Vote for us in the 2025 Debt Review Awards – Peer Reviews:
????? https://www.surveymonkey.com/r/DRA2025MediaNominations

???? Too much personal credit = hard to get loans ????
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Here’s how we help: We use your business revenue & bank statements to create a consolidation loan under your company’s name ?????
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This moves debt off your personal side, raises your credit score, and unlocks premium financing — even low-interest or 0% business credit cards ????
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Smart refinancing = better credit = more growth ????????
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