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Here’s how it works in practice, sometimes called Velocity Banking. First, you open a line of credit, like a HELOC or a personal line of credit. Then, instead of your paycheck going into a regular checking account, you deposit it directly into the line of credit. That immediately reduces your outstanding balance, which cuts the interest you’re paying. From there, you pay your monthly expenses using the line of credit or a linked card that’s covered by it. The key is to spend less than your incom
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