Part 3/9:
Recognizing an opportunity to leverage this, I promptly requested an increase in my credit limit from $188,000 to $30,000 and was approved. I then took out $25,000 of debt at 0% interest and paid a $750 fee, choosing to invest that money into a one-year treasury bill that yielded an impressive 5.4% interest rate. With the maturity of this treasury bill set for the end of the month, I'm anticipating a payout of $26,350 to pay off my credit card debt, which effectively earns me about $600 from the U.S. government.
Beyond my substantial credit card debt, I have minimal additional debt: small balances on other credit cards and previously held student loans, both of which I have since paid off. Moving forward, I am committed to avoiding any debt above 4% interest, excluding a potential mortgage.