it doesn't seem responsible to promise people 9% returns in perpetuity!
a lot of the time this advice is given to people who are paying higher rates on debt, which also seems troubling.
a lot of the time this advice is given to people who are paying higher rates on debt, which also seems troubling.
Speaking of debt (to more directly answer OP's question), pay off your credit card, in full, every month. If you can't do that, you need to adjust your lifestyle downward until you can.