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It's my pleasure to welcome you here at the Clark Howard Show, our mission to serve and empower you, so you make better financial decisions in your life.

In today's episode, you've ever heard of shoppers high. There's some new science that shows how using plastic lights up your brain.

Also, there's the flip side of this. There's a new option for establishing credit I want you to know about.

Over the years, I've done a lot of counseling with individuals and couples that are in a world of hurt with debt.

There are different situations that lead people into debt. Half of the time, it's not lifestyle, it's medical debt.

But the other half often, it's how we handle money that gets us into trouble.

I've had a standard method that I've used when I'm dealing with people who have lifestyle debt.

I've used it for more than 30 years. It sounds so antiquated now.

But it's all about paying for everything that's walking around with cash.

I've found again and again and again that people end over their heads financially.

End up getting control back if they get rid of plastic.

And it doesn't mean closing accounts. Although some people need to do that.

It's where you put your cards literally in the deep freeze.

And if you think I'm kidding, I'm not.

So where you take a freezer bag, put your credit and debit card in the credit and debit cards.

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