In today’s episode, we’re diving into a topic that impacts nearly every part of our financial lives—credit. Despite its importance, credit remains one of the most misunderstood aspects of personal finance.

We’ll unpack the common myths and misconceptions that often lead people astray. From what truly affects your credit score, to how credit cards work behind the scenes, and even why some well-meaning advice could be hurting more than helping—we’re setting the record straight.

Whether you’re just beginning to build your credit or you're looking to sharpen your financial habits, this session will give you the clarity and confidence you need to make smarter, more informed credit decisions.