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The key points in the text are about the importance of understanding and calculating revolving debt, which is seen as a hidden secret to financial success. The text highlights the impact of paying off revolving debt, with examples of people paying off their cars after a webinar. The distinction between revolving debt and installment debt is emphasized, with revolving debt being described as a debt without a plan. It is recommended to prioritize paying off revolving debt, especially if the interest rates are high.