Credit is one of those things everyone expects you to magically understand… even though no one explains it. In this episode, we break it all down in plain English.

You’ll learn what credit is, how credit cards work, why interest is dangerous, how credit scores are calculated, and how your credit decisions today can affect your life for YEARS—from apartments and car loans to job opportunities and monthly bills.

We dive into how to:
• Build credit safely
• Maintain a strong score over time
• Use a credit card without falling into debt
• Avoid interest traps
• Protect yourself from financial stress
• Recover from credit mistakes

Good credit gives you freedom. Bad credit makes life expensive. This episode teaches you how to get—and stay—on the good side.

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