Search results for: taking on excessive student loan debt without a clear plan can lead to financial strain. Myth: You Need to Keep a Balance on Your Credit Card to Build Credit Debunked: You can build credit by paying your credit card balance in full each month. Carrying a balance and paying interest is unnecessary for credit building. Myth: You Should Follow Hot Stock Tips for Quick Wealth Debunked: Following hot stock tips or trying to time the market is speculative and often leads to losses. A diversified