00:00 cold open - find our live stream

00:30 theme song

02:30 Our audience got us here - who are you?

07:30 hot topic - the common denominator - Credit

11:00 Food insecurity - we learned to live on less

15:00 how is credit issued - overall debt a determiner 

18:00 how much credit do you use - the price of access to credit equals the risk of default you are based on your credit

20:30 age of credit as a factor - overall average history

25:00 National debt - Wheres our social security fund?!

30.09.289 - insertion point - 30.11.145

33:00 everybody's vision of risk is different - ability 

37:00 who is poor - population percentage wise 

42:00 who is trying to reform this system/

54:00 If you want us to get out of dept you need to offer a living wage - what are solutions

36:00 reward cards and coupons - kinda scammy - JND

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