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You can avoid bankruptcy by negotiating with creditors, consolidating debt, increasing income, or using formal debt management programs. You might have more options than you realize, and this guide provides a clear framework for deciding which path best fits your situation. The Math You Need to Do First To Avoid Bankruptcy Before exploring any debt […] The post How to Avoid Bankruptcy and Actually Get Out of Debt For Good first appeared on I Will Teach You To Be Rich . Source from I Will Teach You To Be Rich https://ift.tt/kQILywi

A grace period is the window of time after a payment is due or a billing cycle ends during which you will not be charged interest or late fees. Credit cards, mortgages, and student loans all have grace periods, but they work differently and last for different lengths of time. Most people either do not […] The post Grace Periods for Credit Cards, Mortgages, and Student Loans first appeared on I Will Teach You To Be Rich . Source from I Will Teach You To Be Rich https://ift.tt/ez56I3N

AI can generate ideas faster than any human, but recent studies have shown that outsourcing creative ideation is not without consequences. Cognition, work quality, individual value and ethics can be jeopardized when you substitute creative thinking with a ChatGPT prompt. This leads to questions about why creativity is important—perhaps more critically than ever—as AI rapidly expands. Let’s briefly look at the risks and review five techniques for keeping up with the times while maintaining creative edge.  AI’s fingerprints on our creativity  How does AI negatively affect creativity? We don’t entirely know, but initial research raises concerns.  The widely circulated 2025 study “ Your Brain on ChatGPT ” by researchers at MIT’s Media Lab raised concerns that writing with AI (versus writing alone or with search engines) results in lower brain activity. “Over four months, LLM users consistently underperformed at neural, linguistic, and behavioral levels,” researchers shared...

You can choose the bear. But can you outrun burnout? A sleep retreat could be the answer.  Let’s stop pretending hustle culture is sustainable. In today’s high-performance world, we build net worth between back-to-back Zoom calls, side hustles and leadership demands. We wear exhaustion like a badge, until our bodies send the invoice. And, yet, we rarely pause. Even vacations become performative: Enter jam-packed itineraries, networking on the go and keeping up appearances for the ’gram. We fly thousands of miles only to continue performing—just with a cocktail in hand. This is where sleep tourism comes in. It’s not a luxury. It’s not an indulgence. It’s a strategic recalibration for ambitious professionals who understand that recovery isn’t optional. It’s essential. Key takeaways about sleep retreats and sleep tourism  Take a peek at the facts about the power of a sleep retreat and why sleep tourism is making an impact:  Changing approach to travel: Sleep touris...

As AI accelerates business complexity , leaders need collective intelligence—not top-down control—to make better, faster decisions. Traditional hierarchies are out, and collaboration, critical thinking and collective foresight are in.  More companies are opening communication channels by setting up brain trusts, a concept introduced by Ed Catmull, co-founder of Pixar and co-author of Creativity, Inc. , to encourage more productive team feedback, solve complex problems and anticipate disruption. Here we explore what it means to have a brain trust for CEOs, benefits of brain trusts and how to create a brain trust in your company. What is a brain trust ?   “A brain trust is built on the idea that decisions are better when you tap into the collective knowledge and unfiltered opinions of a group,” says Tim Berney, CEO of VI Marketing and Branding . It’s really about getting beyond one person’s perspective and drawing on the wisdom of many.  “You bring together a small grou...

 Jamie (45) and Ryan (35) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) without telling Jamie. Now earning far less, they’re still spending like nothing changed, running up credit card debt and ending […] The post Episode 239. “He quit his high paying job and didn’t tell me” first appeared on I Will Teach You To Be Rich . Source from I Will Teach You To Be Rich https://ift.tt/ZajVJWp