u/QuitAlive2475

https://www.tiktok.com/t/ZTSm2SwFJ/

So I have been looking at XLKI recently. They seem to have one of the better expense costs, they yield higher than some other respectable CC ETFs, and they are from a reputable company ( State Street). However, I never hear anyone mention it and they only have around $10 mil AUM, and doesn't appear to have NAV decay. I'm sure i'm missing something obvious but thats why i'm here. Do any of you hold this or have an opinion on it?

Copy and Pasted from Top Dividend ETFS. I know a lot of you have probably seen this but for those that haven't hope this helps. Just because some are good doesn't mean they all are. That's for the people who become "fanboys" and this is the only company they buy.

SYM Name Yield AUM NAV Decay

SHI |NEOS Enhanced Income 1-3 Month T-Bill ETF |4.9% |1274M |NO |A- |🗳️2
BNDI |NEOS Enhanced Income Aggregate Bond ETF |5.7% |172M |YES |A- |🗳️0
IAUI |NEOS Gold High Income ETF |12.5% |462M |NO |B+ |🗳️2
BTCI |NEOS Bitcoin High Income ETF |28.0% |1270M |YES |C- |🗳️3
NIHI |NEOS MSCI EAFE High Income ETF |9.7% |89M |NO |C |🗳️0
QQQH |NEOS Nasdaq 100 Hedged Equity Income ETF |9.0% |372M |NO |A- |🗳️0
QQQI |NEOS Nasdaq 100 High Income ETF |14.3% |11900M |NO |A- |🗳️48
XBCI |NEOS Boosted Bitcoin High Income ETF |37.0% |53M |YES |C |🗳️1
XQQI |NEOS Boosted Nasdaq-100 High Income ETF |20.0% |152M |NO |B |🗳️9
XSPI |NEOS Boosted S&P 500 High Income ETF |15.0% |45M |NO |C |🗳️8
IYRI |NEOS Real Estate High Income ETF |10.8% |266M |YES |B |🗳️0
IWMI |NEOS Russell 2000 High Income ETF |14.1% |856M |YES |B+ |🗳️6
SPYH |NEOS S&P 500 Hedged Equity Income ETF |7.6% |27M |NO |B |🗳️0
SPYI |NEOS S&P 500 High Income ETF |12.20% |9720M |NO |A- |🗳️35

I am currently working toward becoming debt free and I really don't have much left. I am getting antsy and want to be done. I'm aware of all the talking heads and the debt payoff strategies but I am pretty far along so I'm not sure they are meant for my balances at this point. I'm wondering what you all think would be the best course.

$1,439 - Visa - High rate and no end date

$921 - MC - High rate and no end date

$2124 - SOFI Personal loan - much lower rate with a specific end date in 5 months.

Sofi is my largest payment and I feel like I could pay that off in 3 months and then throw all that at MC to pay that off in 2 months. then Visa? If I follow the "debt Snowball approach and hit the MC first I won't be able to put much on it because of the LARGER SOFI payment. However the SOFI will take care of itself in 5 months....... By losing the SOFI it will free up a lot of cash to pound those credit cards. What do you all think? Thanks in advance.