If you haven't solved the root issue why you were racking up credit or turning to credit cards in general, then it's very likely that you will consolidate it and shift it onto a personal loan that you can focus on, but that you may just recreate the same problem a year from now or even less with how expensive things are.

Hey, hey, BA fan.

What's up?

It's your girl, Mandy Woodruff Santos, aka Mandy Money, your host.

Hostess with the most is.

I'm actually here for a classic, a classic Brown Ambition episode, the BAQA, where y'all got questions. I'm going to take them and

give y'all some answers. But just a reminder, if you're new here, this is answers with a lowercase

a, meaning I am not your personal financial advisor. Don't sue me. Don't come for me. Don't say,

well, Mandy said I should do. I am giving you like a bestie's

perspective, like a really smart, financially savvy, financial journalist for over a decade,

podcast host for also a decade, knows a lot of stuff about money and career. Like, that's where

I'm coming from here. But at the end of the

day, I don't have all your info. I don't even, I don't, you know, I may not know you 100%. So just take

this with a huge grain of salt. Get your salt shakers out. Okay, now that I've covered myself legally,

let's get into the real real. Because y'all's questions are becoming increasingly stressed, increasingly intense.

And I got a question this week from a listener called Anai, and she emailed me directly,

which, by the way, if you want to get your questions, financial, investing, career, whatever it may be,

you can email me Brown Ambition Podcast at gmail.com or slide into my

DMs. I'm at Brown Ambition Podcast on IG. If you want to be anonymous, that's cool. If you want to use a

pseudonym, also great. If you want me to say your full name, so everybody knows who it is that's

asking the question, you know, it's up to y'all. The point is, I want to give

y'all a chance who may not be able to get access to my coaching program to me one-on-one,

...