Loyalty is a virtue in relationships.
 In personal finance, it’s often a penalty.

Banks, insurance companies, and service providers count on one thing: inertia. They hook new customers with low teaser rates, then slowly raise prices on the people who stay. If you haven’t checked your rates in years, you’re paying the Loyalty Tax.

And you’re paying it monthly.

This isn’t about being disloyal. It’s about being rational. These companies aren’t your friends. They’re vendors. And vendors respond to pressure, not gratitude.

Run a Loyalty Audit every two years. Pick three services you overpay for. Call and ask one simple question: can you match the new-customer rate, or should I cancel? Most of the time, the price magically drops.

Today’s Move: Identify one bill you haven’t questioned in years and make the call. Stopping the Loyalty Tax is one of the fastest guaranteed returns you’ll ever get.

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