AI/human agents renegotiate cable, cell, and streaming — 20–40% cut.
Rocket Money, Trim, BillCutterz, and BillFixers call your recurring providers (Comcast, AT&T, Spectrum, DirecTV, ADT, gym) on your behalf and negotiate 20–40% lower rates by threatening cancellation. Fee is 30–40% of first-year savings — $0 if no savings. Also finds forgotten subscriptions (avg household has 4–8 unused = $150–$400/yr). Two hours setup = ongoing four-figure savings.
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.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
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.