So today, we decided to lean into the fun, and there are a handful of financial topics in this bowl that are controversial.

And I'm going to pull one out, share my hot takes.

It's going to be fun.

Make sure to like, subscribe, and share this episode with a friend.

All righty. y'all ready?

First topic.

Using credit cards for points.

Oh, yeah.

I see you, credit card.

I see you.

Okay, listen, here's the thing.

I get that there's a game and I get that people that were like, okay, but I did this.

I got to fly to Alaska and then to Tokyo and then to Dubai, all for free, first class, because my credit aren't points.

Like, whatever, whatever, okay?

I hear you.

But what we have to understand is, like, they are playing the game on the other end, and they making billions of dollars you guys like so much money off of us and to understand okay they are winning

at a game and i am not so what you don't see in some of that is not only the amount of money

you tend to overspend when you use other people's money, and that's

been, that has been proven through studies. And also the fact that you may be paying your

credit card off every month, and you're like, yeah, but I'm not paying interest. Well, it's the

people that aren't paying their credit card off every month. And some of these people are very much

struggling, that then that's how the perks get

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