Imagine a magical investment that guarantees a 24% return—no stock market volatility, no sleepless nights over the Fed’s next move, and no obscure financial jargon. Sounds too good to be true? Well, it’s real, and you’re probably already paying for it… in the form of credit card interest.

The average stock market return hovers around 10% per year (before inflation takes its bite). Meanwhile, the average credit card interest rate in the U.S. is now a whopping 24.2%. That means every dollar you use to pay down credit card debt is essentially “earning” you a 24% risk-free return—far better than any hot stock tip or speculative crypto bet.

Even Warren Buffett, the Oracle of Omaha himself, says carrying credit card debt is financially prudent. In a 2020 shareholder meeting, a friend asked him for investment advice while carrying an 18% credit card balance. Buffett’s response? “If I owed any money at 18%, the first thing I’d do with any money I had would be to pay it off. It’s going to be way better than any investment idea I’ve got.”

And let’s be honest: if Buffett, one of the greatest investors of all time, can’t promise you a 24% return in the stock market, what makes you think you can outsmart Visa and Mastercard?

So, before you try to beat the market, beat your credit card balance. It’s one of the smartest, safest, and most profitable financial moves you can make today.

Proverbs 22:7 (CSB):“The rich rule over the poor, and the borrower is a slave to the lender.”