Michael Phelps- consume 10k calories per day, but he burned it off due to his training. But for the average person who has a 9-5 low intensity job, eating like Phelps will most likely lead to a caloric surplus, which will turn to weight gains.

At the end of the day, calories in calories out. No way around that.

Caloric deficit: lose weight

Caloric maintenance: maintain weight

Caloric surplus: gain weight

Neither. Weight gain happens when you’re in a caloric surplus.

CICO- Calories In, Calories Out. No way around it. To lose weight, one must be in a caloric deficit.

A. To lose weight (water, fat, and/or muscle): consistent caloric deficit + enjoyable nutrition plan.

B. To lose weight + gain/retain muscle: A + resistance training (home/gym).

C. To lose weight + gain/retain muscle + improve cardiovascular: A + B + Cardio

Then your score for Experian vs WF is different, since Experian is FICO 8 and WF is FICO 9. But each lender algorithm is vastly different , so hard to say which CS each lenders will choose.

It’s not that CK isn’t giving you an actual score (Vantage 3.0 is a real score), but majority of lenders don’t use vantage. Lenders typically lean towards FICO 8 or 9 and that’s what Experian give you.

Majority of people and myself uses the free Experian tier. General rule is to check your CS once a month.

1. 401k- contribute up to match
2. Max out Roth IRA
3. Max out HSA (if you have a HDHP)
4. Up the % of your 401k contribution