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Good news. Bad news. Great news.

First the bad: banks are out to charge us fees, interest and fees on the interest.

Great news: banking and credit are hackable systems. We're getting threatened for revealing them but we're divulging 101 secrets anyway .


duck9 has three solutions
(1) graduate with a FICO of 750

(2) avoid 9s

(3) no cell phone overage/credit card late fees


brain trust: subscribe