You've got plenty of choices these days, but two I'd like you to consider carefully, based on our recent, ongoing experience with Derek Olsen of Root of Prosperity. You could choose to take the conventional path of letting Visa, or Mastercard, or Discover "manage" your money to a proven conclusion, an unhappy one. Or, you could allow Derek to teach you to manage your own resources--not just your money--to your chosen conclusion. It won't be fast. It probably won't be pretty, or you wouldn't still be reading. But it will be your choice.