https://youtu.be/yyjq4Uucd4g Proverbs 6: 4 - 5 Give not sleep to thine eyes, nor slumber to thine eyelids. Deliver thyself as a roe from the hand of the hunter, and as a…

Today I want to talk about reasons why I have not used a credit card since 2007, August of 2007 specifically and that's almost been 17 years. So, for those of you who have watched the backstory, you kind of understand what happened to us essentially in late 2007, Erica and I hit a financial wall.

Today I discuss the credit score - it's origin, it's composition, it's impact, and give an example in a different industry to illustrate the foolishness of it.

I discuss debt and how it's transferred the wealth in America from the People to the Institutions, how debt is a product sold by banks, how the interest rate affects the loan balance, and how much payments actually cost you over time.