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We are strong, we are wise, together we will rise.

It is December 26, 2019. You did it. It's the day after Christmas. However, we are still in the

midst of Hanukkah and today is Kwanzaa. So gifts are everywhere and they're still flowing.

But here's the thing, especially since Christmas is over now. How do you feel? You made it.

How do you feel when you're thinking about that very possibly and I'm not being Susie Downer here,

I'm just being realistic. They're very possibly in another few weeks. You are going to get the

credit card statements that you charged all of these things on and you're going to have to pay them

in chances are you will look at them and you probably have charged at least 700 to $1,000

because do you know that that is the average amount of money that people put on their credit cards

for the holidays and so you're going to look at that 700 or $1,000 that you put on your credit

cards and they are going to entice you and they are going to say guess what all you have to do is

pay the minimum payment due and that will be maybe $50, $35, $100. It just depends how much you charge

and you'll go yeah I'm only going to pay that. Do you know that if you only pay the minimum

payment due every time you get a credit card and let's say you have $3,000 on that credit card

at an average interest rate of 18% and let's just say you're paying 2% just a small fraction every

single month it could take you 20 or 30 years to pay that card off in full really but that's not

what I want to drive home. I want to drive home today that so many of you feel that you cannot

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