In Nigeria, rising access to digital credit, informal lending, and consumer finance has not been matched by adequate credit education. At the same time, financial stress—due to poor saving habits, impulse spending, and income unpredictability—has weakened financial health among millions. This special episode explores the intersection of credit use, financial behaviour, and wellness with Mr Jerry Osagie, SME and personal finance expert By engaging both demand and supply-side perspectives, it aims to inform and inspire practical action for building a more financially resilient society.