Expectations, yeah, they can really put a hurting on your day. Welcome to Walking is Fitness.

This is a podcast of action, providing a little extra motivation to help you keep that fitness promise you made yourself.

Hi, I'm Dave. I started walking for fitness in 2013. Still take an

intentional fitness walk every single day. I'm walking right now, and I would love to have you

join me for the next 10 minutes. Ava and I paid off a big loan recently. Very excited about it.

I wrote the check, sent it in, got confirmation. The loan was paid off.

And then a couple of days later got an email from Credit Karma.

Your credit score has changed.

Yeah.

You would think, you would expect even, that when you pay off alone, the credit folk who

are hiding behind the curtain, putting all those numbers in, creating that score, would say,

ooh, this is a good thing.

Let's raise their score.

Up it goes.

No.

No, that's not what happens.

Pay off a loan, your score goes down.

Hello, we paid the loan off.

Even paid it off early.

Isn't that worth something?

A little frustrating, actually,

because the expectation is, in this case, you do the right thing,

...