15. Focus On Credit Cards
Many middle-class American families have upwards of $40,000 in credit card debt, and are paying a heavy price for it. Because the interest is killing their dreams to save money, invest, and one day retire. If you want to escape the middle class, get your credit cards paid off.
Start with the credit card with the highest interest rate and do whatever you can to get it paid off. Once that is paid off, apply the funds you used toward it to the card with the second-highest interest rate. Get momentum going and get those credit card debts out of your life if you want to escape the middle class.