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Allegra Stein

Why do credit cards just feel like part of life now?


March 19, 2025

Reader,

I totally get it. Debt can create opportunity.

It helps us go to school.
Buy homes.
Get the car that takes us where we need to go.

Credit can be a useful tool, and sometimes it’s the only way to meet basic needs. I respect that.

But somewhere along the way, debt stopped being about those big, intentional choices and crept into our everyday spending.

We’re not really paying in the moment anymore. We’re borrowing, covering last week’s coffee, groceries, and Amazon cart with future paychecks.

The whole system has us looking backwards, tending to mindless spending in the past rather than turning towards what we want in the present and future.

Those same companies that help us buy homes or get degrees are now profiting off these daily habits. Off the moments we stop paying attention.

This is why I want you to look at your money. Because the system is designed to pull you along, quietly profiting every time you stop paying attention.

Looking is how you'll snap out of it, how you rebel.

The way I teach money assumes you’d rather avoid more debt, and that you want to pay for things when you actually have the money, without shortchanging something else that matters.

I want you reach a place where you're using today’s paycheck to fund future choices, not scrambling to cover the past.

Allegra

Ready to rebel? Let's look at your money.

A Sunny Little Spot, Hudson Valley, NY 10987
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Allegra Stein

Looking at your money is an act of rebellion. Get daily notes to help you pay attention, take control, and spend with intention.

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