Quick Answer
The Intermediate Track focuses on optimization - utilization tuning, debt strategy, and rewards card use.
Key Takeaways
- Optimize utilization, not just keep it under 30%.
- Choose between snowball and avalanche strategies.
- Begin layering rewards strategies.
Lesson 1 - Utilization Mastery
Move beyond the 30% rule into per-card and aggregate optimization.
- Credit Utilization Strategy - /credit-utilization-strategy
- Utilization Optimizer Tool - /tools/utilization-optimizer
Lesson 2 - Debt Strategy
Compare mathematically optimal vs. psychologically optimal debt strategies.
- Snowball vs Avalanche - /debt-snowball-vs-avalanche
- Debt Payoff Tool - /tools/debt-payoff
Lesson 3 - Rewards
Begin capturing value on planned spending.
- Rewards Card Strategy - /rewards-credit-card-strategy
- Credit Card Rewards & Travel - /credit-card-rewards-travel
Frequently Asked Questions
Should I complete the Beginner Track first?
It helps - most Intermediate lessons assume comfort with the foundational concepts covered in the Beginner Track.