 by tapping into their home equity and wiping out high-interest credit card debt. $854 a month is like a $10,000 a year raise. With credit card interest rates just insane and so many people carrying a balance from month to month, well, that's no way to live. So think about leveraging your assets. That is what wealthy people do. They don't think, oh, I just have this home. I better not touch it. No, they leverage assets.