Today’s episode is preoccupied with the topic of automobile financing and the importance of taking a “step in the right direction” in the financial evolution of the individual. We spare some time to distinguish positive and normative approaches to the science of economics, "what ought to be" versus "what is". An old friend calls in and shares his experiences of credit stress while working as a freelance cartoonist in Los Angeles, the city of angels. Luxury goods are brought into laser focus through the lens of Indian custom car culture.