The Leverage Letter
Smarter Tools. Better Credit. Optimal Living.
Your smart, no nonsense friend helping you leverage credit for business, travel, and life.
SHIFT YOUR STRATEGY THIS WEEK
If you're earning $150K+ but still using your personal credit card for business expenses—you’re doing it wrong.
You're likely missing out on tens of thousands in untapped funding, rewards points, and interest-free capital that could grow your business (or buy your next business-class flight).
This week’s issue breaks down the 3 biggest credit mistakes I see every week—and exactly how to fix them fast.
MISTAKE #1: Using Personal Credit for Business Spend
Why this hurts you:
Hurts your personal credit score
Lowers your funding potential
Disqualifies you from key tax deductions
Quick Fix:
→ Open a business credit card tied to your EIN (not SSN).
→ Start with a 0% APR card that offers high signup bonuses.
MISTAKE #2: Paying the Statement Balance Only
Why this hurts you:
You’re still charged interest
Your utilization may stay too high to improve your score
Quick Fix:
→ Set autopay for the full balance, not just the statement amount.
→ Pay 2x/month to keep your utilization low and score rising.
MISTAKE #3: Not Tracking Points & Perks
Why this hurts you:
You’re leaving thousands in free travel or cashback unused
Benefits like lounge access or hotel status go to waste
Quick Fix:
→ Use AwardWallet and CardPointers to track rewards, credits, and expiration dates.
→ Organize your cards by category (travel, dining, ads, subs), and automate.
WHAT YOU GAIN WHEN YOU LEVERAGE RIGHT
When done properly, a smart credit system can help you:
Unlock $100K+ in credit lines
Save 10+ hours/week with AI-driven automation
Travel business class using points, not cash
Keep your personal credit untouched
AWARD BOOKING SPOTLIGHT
Emirates First Class: San Francisco (SFO) - Dubai (DXB)
Cash Price: $15,886.40
Award Price: 186,000 miles + $840
Booking with cash
Enjoy the ultra luxury of Emirates First at 38,000 feet, booked with points generated from your regular spending. Fund your Business, Fund your Life.
Our premium subscribers get award availability and alerts like this weekly.
How you book matters.
BONUS RESOURCE
Get My LeverAged Funding Roadmap
It’s the exact framework I teach clients in our first consult—and it’s yours free as a subscriber.
READY FOR YOUR CUSTOM ROADMAP?
I offer 1:1 Leverage Strategy Sessions to help high-performers like you:
Fund your business using credit (not savings)
Automate decision-making with AI
Restore your energy and structure through wellness integration
Sessions are limited to 4/month.
To building your optimized life,
Ade O.
Chief Leverage Officer
Helping entrepreneurs learn credit, automation, and holistic leadership
Before You Go: