Tax Returns: Nothing, a new DAC or... ?

OK, one thing is clear, this thread has turned into a  "how much do you hate credit card" thread and I'm completely here for it!

@erik_squires ..*L*  I don't hate them, per se...  But...

We had cards, once upon....2 years into our business venture, trying to make it into Our Version of what it could be, employees, work picking up, working hard at making it move...

And then the market decided to crap on all of us.

Phone didn't ring for over a month.

I ended up filing personal bankruptcy to shield the biz.

Since we were 'too new' with not a good 'track record' for the biz, the bank shrugged.  It got real tight for longer than we cared for, let everyone go.

Spouse, self, and the pets were It.  Only the improved quality of our work, the improved attitude we brought to it and some lucky happenstance pulled us through.

In the next two weeks we complete the largest commercial contract to date, high profile, and 6 figures.  The design firm remarked that we're the most pleasant firm of our sort to work with on a 'difficult project'.

Difficult, yes.....but we're used to 'punching back'. ;)

Zero the cards, bring down anything else you can while you're at it.

Lean the carbs on your lifestyle for awhile....go frugal, it won't hurt that much.

Wait....see what the near future entails.

Maybe that DAC or whatever current lust entails may show up 'substantially reduced' later...and since you've got 'this 'n that' you're calling surplus, move it NOW.

Pause the ceiling GIK, unless the surplus is '+ enough'....or just 'cheap out' for the time being.

Of course, you're free to do what you might....🤔

My concern is that of the cornered animal that has nowhere to go but through you...or us....if one gets my drifty drift....😔

Our bank remains 'unhelpful', even now.

We remain just for the convenience and their current decent level of service.

I suspect that cryptocurrency will end up in a crypt.

But...like the 'market', all are bets in the final analysis...

Take care out there.

Regards, Jerry

Oh, Erik....get a load of this, meanwhile....*L*

Scary....*L*

Bearing in mind that with inflation (as has been mentioned elsewhere here recently), that dosh will buy you much less in the foreseeable future.