Credit cards. Humans carry a small piece of plastic that allows us to borrow money with the intent to pay it back. How we handle these cards builds our lifetime credit history leading to creating wealth, whether or not we get a job or possibly even landing us in debt depending on our spending habits. Don't worry - Galia and Susan hold your hand through it all. Galia deciphers key terms like "grace period," explains which credit card benefits are best (i.e. travel, cash back), breaks down annual fees and shares her favorite websites/apps. Turns out - she doesn't like store credit cards! Susan cops to some of her early personal credit card blunders, like using them to shop away heartache (leopard print underwear requires a matching leopard print scrunchie, apparently), committing to an unnecessary dress covered in seashells and doing "The Walk of $$$ Shame" in Las Vegas. We blame Vanna White!