This episode sees credit differently.Not as a number, but as time already promised.

Not as debt, but as hours we have yet to live.For us, the working class, these trades shape each day long before money changes hands.

This reflection explores the hidden cost of borrowing,the quiet burden of lending,and the steady power that awareness gives back to us.

It is not a list of tactics.It is a way of seeing the exchange beneath every obligationand reclaiming our timeone quiet hour at a time.

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