Imagine this: you open your mailbox to a stack of bills and credit card statements — and your heart sinks. You’re not alone. Millions of Americans are feeling crushed under credit card debt and struggling to understand how to climb out.

In this episode of Your Bread & Butter, Andrew Beaudry, CFP®, and Ryan Cummings, CFP®, break down real, practical strategies to take control of your credit and start improving your financial future.

We cover:✅ The current state of household debt in the U.S✅ What your credit score really means — and how it’s calculated✅ Quick wins you can take this month to raise your score✅ Smart debt payoff strategies that save you interest✅ Common credit myths that may be holding you back✅ How better credit can lead to a better life

Whether you’re rebuilding after setbacks or just want to optimize your financial health, this episode will give you clear, actionable steps to move forward with confidence.

🎧 Listen now and take the first step toward stronger credit and greater peace of mind.

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