Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
Open 3–6 personal cards with 0% intro APR on purchases and balance transfers (12–21 months). Use the purchase 0% for deployable spend; use BT lines to consolidate high-APR debt or free existing cash. Deploy the freed capital into short-duration cash-flowing assets (T-bills, MMFs, private lending, inventory). Refinance or pay off before promo expires; never carry into the 24–29% go-to APR.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.
Pay estimated taxes, tuition, and munis by card to hit SUBs and status.