Jennifer and Julie swipe into the world of credit—its ancient roots, modern takes, and how to use it without falling into the debt trap. With a mix of history, humor, and hard truths, they show how credit can be a tool for empowerment or a fast track to financial headaches. Whether you’re building credit from scratch or untangling past mistakes, this episode will help you charge ahead with confidence.

🎧 In this episode:

• The wild origin story of credit (starting in Mesopotamia!)
• Why 1950 changed everything with the first credit card
• Tips for paying off debt without panic
• How to talk to your kids about credit early and often

Cocktail: The Blackcard Margarita 

Ingredients 

2 tablespoon black salt for the rim, or you could do some tajin for a bit of gold sparkle

2 oz tequila 

1 oz orange liqueur I use triple sec 

1½ oz fresh lime juice from 1 lime

⅛ teaspoon activated charcoal powder see safety note below – 

Activated charcoal safety: Activated charcoal is very absorbent and can interfere with medications, including the birth control pill. Enjoy this drink several hours before or after consuming your medications to be safe. If you are concerned, omit the charcoal in this drink.