Met a girl who drives a paid-off G-Wagon, doesn't have a job, and told me straight up she "just moves money around" figured she was lying or somebody was paying for it. she pulled out her phone and showed me a spreadsheet and now I can't stop thinking about it she runs the cycle. she's got a 780 score she's protected for years, and she uses it to pull $200k-$250k in 0% business credit every 12 months across a rotation of banks. business cards, so none of it shows on her personal report. on paper she looks unemployed and broke. in reality she's sitting on a quarter million in interest-free capital at all times what she does with it is the boring part. she lends a chunk to house flippers at 12-14% secured against the property, she keeps a chunk in a business account earning yield, and she parks a chunk in short-term deals she can exit fast. the spread between her 0% cost and her 12% return is her whole income. she just skims the difference and never works a shift the G-Wagon got bought outright from one year's spread. the "no job" is the flex. her job is being the bank, using the bank's money the cards are the entire operation. LLC, EIN, business checking, she rotates banks so the 0% clock never runs out, and she cycles into fresh cards before any promo expires. she showed me the calendar. every promo end date is in it 18 months out she looks like she does nothing. she's running a lending desk out of a Louis bag lmfaooo