Skippy & Doogles rip apart the worst “passive income” ideas making the rounds on Twitter (spoiler: vending machines aren’t passive). Then it’s off to BrewDog, the startup turned unicorn turned investor cautionary tale — complete with shady dilution, broken promises, and a side of bad beer. We also dive into new research on how your zip code shapes your credit score (and why America might run on debt more than Dunkin’), and wrap with the value of unpacking in understanding what career you want and how you want to invest.

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