This is the Ramsey Call of the Day, part of the Ramsey Network.

So George, normally, I am very prepared for this show, and anything that's thrown my way besides the callers, I am on the ball.

But this, I am not.

Yes.

So I'm really on the edge of my seat for what's about to.

A minimum of like 47 people have sent me this video, being like, we need you guys to react to this video.

We need your thoughts on this.

Is this true?

What's your take?

And so Rachel has not seen this. I have seen it. And we're going to get Rachel's kind of blind reaction here. Are you ready for this? I'm not even going to set it up. I don't even know what's about to happen. So if it's a friend's clip, I'll probably quote it. If it's a quote from Notting Hill, I'm probably going to know the scene. I don't know. It's hot money advice from social media. Oh, okay. Get ready.

Rich people help their kids get perfect credit scores long before those kiddos can apply for their own credit card.

And it's not even that complicated. I can explain it to you. I'm Vivian, your rich BFF,

and your favorite Wall Street girlie who you follow for all the money secrets. As soon as my kid is born, I'm going

to set them up as an authorized user on my credit card. As you can see, with the exception of Discover

and American Express, most of these credit card issuers don't have a minimum age requirement.

This means I will be issued a credit card with their name on it, but I'll be responsible for

paying the bill. And you're probably wondering, what does a baby need a credit card for?

They don't.

Instead of giving the card to them, I'm either going to cut it or I'm just going to put it in a safe location.

I will then proceed to make on-time payments on my credit card bill every single month.

By doing so, I'll start building good credit for my kid, allowing them to leach onto my good credit.

By the time they finish high school, they'll have built a credit history of 18 years and have a score in the high 700s or even 800s.

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