The ladies are back in the studio for a New Years BA Q&A! Our first listener wants to know the best way to handle her credit cards. Tiffany and Mandi break down the the best way to use credit cards and warns us about these uprising interest rates. Tiffany explains that credit isn't good or bad depending on where you are in your financial journey. Both of our financial besties agree that paying down debt is super important for your financial growth. Then, listener "Double D" wants to know where her money should be going now that her student loans are paid off!

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