29. How I Manage Money & Tips From Every Level

All the things I wish I knew sooner about finances & credit from each level I've been at. Also my tricks on a few things to maximize credit card points for free stuff. Very honest takes on debt that hurt, but help. 

Substack: 

https://substack.com/@leoskepi?utm_so... 

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My App Positive Focus:

(Apple) https://apps.apple.com/us/app/positive-focus/id1559260311

(Google) https://play.google.com/store/apps/detailsid=com.positivefocusapp&hl=en_US&gl=US&pli=1

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