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In this Road to Wealth update, I break down a simple credit card mistake that was quietly hurting my score: confusing the payment date with the closing date.

I share how I’m tracking my debt week by week, what’s actually moving the needle, and the rule I’m using to keep my utilization in check.

You’ll hear why paying on the payment date isn’t enough if you swipe again before the closing date, how I’m treating my credit card like a debit card, and the target utilization I’m aiming for to rebuild my score.

I also talk about what I’m doing to simplify payments, reduce balances across personal and business cards, and keep steady momentum without burning out.

If you’re early in your money journey and want practical, real-time lessons you can use today, this one’s for you.

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