This video goes over what I think of these so called tax expert sensationalist. They try to sell you that they can solve you dire straights. I know you don't want to hear it, but the solutions is clear: avoid debt, work hard, and take a little bit of risk.

You should never get a business credit card if you can't manage debt, as they often have higher interest rates, fewer consumer protections (like extended warranties), and can complicate taxes or reconciliation, potentially leading to overspending, personal liability if misused, and difficulty building personal credit. Key risks include racking up expensive interest, blurring personal/business finances, and missing out on the robust benefits of personal cards, making them unsuitable for risky investments or just paying for everything, say sources.

To enjoy your job, focus on small changes like personalizing your space, taking regular breaks, and connecting with colleagues, while also shifting your mindset to find meaning, set new goals, and focus on your strengths, all within a healthy work-life balance. Taking control through learning new skills or finding autonomy helps, but if dissatisfaction persists, consider addressing underlying issues like burnout or misalignment with your career goals