But that&#x27;s the thing: research and learning are unnecessary. Just change your behavior. Which is easier than people think. Just do it.<p>As far as this card goes, it&#x27;s spot-on. I would put &quot;pay off your credit cards&quot; at the top of the list. You should not invest a nickel until you&#x27;ve paid off all your credit cards (and any other debt where you&#x27;re paying more than 10% interest).