Hello, WineAppers. My name is Jesse Meakum and this is another episode of The WineApp Podcast

where we teach you four rules to help you stop if you paycheck to paycheck, get out of

debt, and save more money. I am very, very excited to have with me an internal source

of just endless wisdom, a fountain of knowledge, and her name is Sophia. She has been working

at WineApp about two years and she has found herself in the odd spot of expert in all

things in installment plan. And you all know what I'm talking about. It's that after

pay a firm, clarinet stuff that is so, so tempting. And I've ranted on the podcast before

everyone's a finance company. My word people save up for things before you spend your

money. That kind of thing. Well, today we just kind of hit brass tax. And Sophia walks

us through with a lot of empathy. A lot of I know where you're coming from kind of stuff.

She walks us through what we're dealing with. And it is a quagmire of confusion by design

for the most part. Anyway, I'll just let Sophia do most of the talking here. We just dive

into all things in installment plans and installment plans attached to a credit card. They're not

really installment plans. You'll find out which are the worst and which are if an absolute

necessary evil, less evil. Anyway, it was an absolutely thrilling conversation. I've

had Sophia on the podcast before we were doing behind the scenes stuff. And I can't wait

to have her on again at some point. So here is my conversation about all things installment

loans with Sophia. Sophia, welcome to the WineApp podcast again. Yeah. Thank you for having

me on. You've been on twice as much as most anyone else really at this point. This is

number two for you. Tell everyone a little bit about yourself and what you do here at

WineApp kind of high level. For sure. So my name is Sophia. I work in WineApp support.

I work part time here, which I think is just important to mention because it's a really

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