Welcome to Radical Personal Finance, the show dedicated to providing you with the knowledge,

skills, insight and encouragement you need to live a rich and meaningful life now while

building a plan for financial freedom in 10 years or less.

My guest today is Ty Crandall.

Ty has written a book, among other books, called Business Credit Decoded.

Discover the Secrets and Power of Business Credit.

And Ty I've been looking forward to this conversation because this is going to take me back.

What is it at this point, probably 12 to, yeah about 12 years.

When I was, I'm 30 years old now, and when I was 18 years old, I was obsessed with building my credit.

And I don't know if you were writing self-help books at that time,

but I was digging into every build my credit guide.

I would, I was, I started with the Gas Card and I got my little starter credit card on my 18th birthday

and was building it up and I would call every few months and increase my credit score.

And I was pretty good at it to the point where at one point I think in

college was it a hundred and fifty thousand dollars I'm blanking on the numbers but by the

time I was a senior in college I'd systematically built up I was unemployed or minimally

employed but I'd built up to the point where I had about a hundred over a

hundred thousand dollars worth of credit line available to me across all the credit cards I'd built.

So, that's impressive.

Then my personal story is then I walked away from all of it.

I closed all that stuff, did the Dave Ramsey plans that I don't need a credit score and went hardcore in the other direction.

So I've gone to extremes, but this business business credit topic and we'll talk about

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