On your wealth-building journey, credit can either make you or break you—but only if you don’t understand how it works. In this episode, I break down how credit really functions, why so many people fall into the trap of bad credit, and how paying back loans (or not) affects your ability to build wealth.I reflect on the credit mistakes I witnessed growing up, like friends getting cards and not being prepared to pay them back. We talk about interest rates, what banks are really judging when you borrow money, and how to become someone lenders trust—regardless of your background.Credit isn’t about luck or skin color. It’s about having a track record of responsibility.If you want to make smarter money moves and finally understand how to leverage credit, this episode is for you.Need help building a budget or understanding where to start investing?Book a free call at https://wealthisajourney.com to see how I can help.#financialplanning #finance #podcast #entrepreneur #budgeting #creditrepair #credit

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