BLOX, 0% Credit Cards, and the Power of Income Over Time
Most people are taught that investing only works if you already have money.
Save for decades.
Wait until retirement.
Hope the market cooperates.
But income investing works differently — especially when you understand how cash flow and time interact.
This post walks through a realistic, illustrative example of how an income-focused asset like BLOX, paired with a 0% APR credit card, can change the math. Not overnight. Not magically. But deliberately.
This isn’t about spending more.
It’s about redirecting what you already spend and letting income do the heavy lifting.
The Core Idea
The strategy is simple in concept:
You use a 0% APR credit card to cover your normal monthly expenses.
That frees up your real cash.
You invest that cash into an income-producing asset.
While the card sits at 0% interest, your investment begins generating income.
Minimum payments reduce the balance over time.
Income compounds.
You are not adding risk for speed — you are adding structure for time.
The Setup
To keep things clean, here are the assumptions used:
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Credit card limit: $13,000
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0% APR promotional period
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Monthly expenses shifted to the card
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Investment: BLOX
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Annual yield used for illustration: 36%
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Monthly equivalent: ~3%
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Distributions reinvested
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No additional capital added after reaching the limit
This is not a forecast.
It’s a math example showing how income behaves over time.
What Happens in the First Year
Once the credit card reaches its limit, the full $13,000 is invested and begins working immediately.
Over the first 12 months:
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Starting investment: $13,000
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Approximate value after one year (with reinvestment): ~$18,500
But the more important number is the income generated.
Because the portfolio is growing throughout the year, the average invested balance is higher than the starting amount.
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Estimated income generated in Year 1: ~$5,600
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Monthly income by the end of Year 1: ~$550–$600
That income isn’t theoretical.
It’s what fuels the compounding.
At the same time:
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Minimum payments are reducing debt
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The asset base is expanding
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Your net position improves month after month
This is where income investing stops feeling abstract.
What Happens Over Five Years
Now extend the same assumptions forward.
Nothing fancy.
No extra money added.
Just time + income + reinvestment.
After five years:
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Starting investment: $13,000
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Approximate portfolio value: ~$76,000
By Year 5 alone:
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Portfolio entering the year: ~$56,000
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Annual income at 36%: ~$20,000
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Monthly income run-rate: ~$1,650
Total income generated over the five-year period exceeds $63,000, much of which was reinvested to reach the final balance.
By this point:
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The original credit card balance is long gone
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The income continues
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Cash flow can meaningfully support real expenses
This is where income becomes functional.
Why Income Matters More Than the Ending Balance
The final portfolio value is impressive — but it’s not the most important outcome.
Income:
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Pays bills
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Reduces dependence on wages
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Creates flexibility
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Buys time
A portfolio producing $20,000 per year doesn’t require selling assets.
It doesn’t require waiting.
It doesn’t require permission.
It works while you live your life.
The Real Takeaway
This isn’t about chasing yield.
It’s about using tools intentionally.
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0% credit creates time
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Income assets create motion
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Reinvestment creates acceleration
That combination is how ordinary monthly spending turns into durable cash flow.
Not overnight.
Not without discipline.
But without adding hours to your week.
This is a second job you never have to show up to.
Final Thought
Most people are taught to wait.
Wait for raises.
Wait for retirement.
Wait for someday.
Income investing doesn’t eliminate patience — it puts it to work.
And over time, cash flow does what growth alone never can:
It gives you options.
Disclaimer
The information provided in this content is for entertainment purposes only and should not be considered financial, investment, or trading advice. I am not a licensed financial advisor. All investing involves risk, may include but not limited to loss of principal. Always do your own research or consult with a qualified financial professional before making any financial decisions.
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