There's gift I've ever received has to be a bike when I was younger, a pedal bike.

It was a sort of slick little road bike and I remember it was all like it was so it was all wrapped up

but it was so obvious what it was obviously because nothing shaped like a bike and I had a little ribbon on it and I was so

I guess. For that was a life changer and I'm still sort of big on cycling around my area now so for that one change me a little.

Enjoy in every sip with red cups now back at Starbucks.

Hey, B.A. fam. I am back. It's Nandy. I'm here with another episode of Brown Ambition and this week is all about your questions.

Yes, the B.A. Q&A is back. Thank you so much for sending your questions. Y'all, if you want to get a question on the air go to

www.bronabitionpodcast.com that is our homepage and from there you can submit a question through our website. Also you can hit us up on Instagram.

We are at Bronabition Podcast. Just slide into our DM. Send us your question. Make sure that you are clear and concise and if you want to be anonymous just let me know.

Otherwise I'm going to put your entire name out here and I don't want to get anyone in trouble. Okay. And while you're at it if y'all want to be featured in our new series on Instagram we are doing a B.A. fam fan spotlight on

Friday's where we actually go to iTunes see who's left us a review and then spotlight one of y'all head to iTunes right now.

Leave us a five star review. If you've been rocking with our show for all these seven years and you haven't left for review yet come on now.

Like you don't pay for this. Go leave us a review. It is so helpful and having other people find our show. It also helps us move up the rankings on iTunes and listen.

Numbers are important. Okay. And I would love to hit the top 10 again for top 10 business podcasts. So send us to review. Take a screenshot of the show and share it on social media.

Tag us at Bronabition Podcast on IG. You can tag me at Mandy Money and just let everyone know that you are a part of the B.A. fam.

Okay. So that's my sales pitch over. Let me get into this mail bag and thank y'all again for your patience as I have been learning how to just sit here and talk to myself.

I'm having a good time. We still send our love and virtual hugs to our girl Tiffany and wish her lots of happy healing and good health as she. Yeah, it's just taking her time until she feels ready to come back to the show. So I love you, Tiff.

We all love you and the B.A. fam sends you lots and lots of love.

Okay. First question is from anonymous anonymous wants to know Mandy when does it make sense to use credit unions I combined finances with my spouse this year and I'm more bothered when it comes to debt.

I'm only comfortable carrying my student loan debt, which I've got about $16,000 of my partners also trying to pay off about $9,000 of personal consumer debt that has skyrocketed since he's been unemployed through the pandemic.

This year we've managed to also rack up an additional $4,000 in credit card debt. Low interest to no interest because we've taken advantage of a 0% financing offer pre-tax.

This year will have made about 85 K and my credit score is 720. Okay. So you want to know when it makes sense to use credit unions.

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