[Update]: Most of the questions near the top of each category have lots of answers. Please try to answer the ones near the bottom!
I have a new iwillteachyoutoberich book on the way, and I’m looking for some stories and data to feature in my book.
Credit cards. Tell me about…
- General survey — credit-card usage
- If you’ve had trouble getting a large purchase because of a lack of credit (e.g., renting an apartment, buying a car, getting a mortgage).
- Your biggest mistake with credit cards.
- Your worst experience using credit cards.
- Your best experience using credit cards.
- The coolest credit-card story you’ve ever heard (can be you or one of your friends.)
- If you opened up a credit card from a credit-card offer specifically for college students.
- If you opened up a retail credit card (e.g., Gap, Express, etc).
- If you’ve ever opened up a secured credit card.
- How people react when you bring up your credit score with them? (e.g., they think you’re weird for talking about it, they’re embarrassed, they’re shy, they say it’s private)
- What the barriers were to using your credit card effectively?
- If you (or your friends) don’t pay off your full credit-card balance every month.
- If you missed a credit-card payment.
- If you called up your credit card and negotiated a late fee or interest charge.
- If you ever do the 0% credit-card transfer game.
- If you were in credit card debt.
Investment accounts. Tell me about…
- What were the barriers to opening up an investment account?
- About someone (you? someone you know?) who created a self-fulfilling prophecy of staying poor. For example, they continued spending on frivolous stuff without paying off their credit cards while always complaining about being broke).
- People you know who don’t believe saving is the right way to get rich. They have far-fetched opinions about winning the lottery or inheriting money, so they blow all their money today because saving is “boring” and they’re “sure” they’ll hit it big somehow.
- People who don’t plan until it’s too late — they realized, too late, that they needed to save money.
- People who spend more than they make and don’t know it.
- If you opened up an investment account in your early 20s.
- If you’ve ever done something with the goal of seeming sexy instead of rich.
- How you chose your investment account