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Success Story with Scott D. Clary

The Money Rules No One Taught You About Building Wealth | Marcus Barney - Financial Education Expert

Success Story with Scott D. Clary

Success Story Media

Business, How To, Careers, Self-improvement, Education, Entrepreneurship

4.61.9K Ratings

🗓️ 29 July 2025

⏱️ 12 minutes

🧾️ Download transcript

Summary

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In this "Lessons" episode, Marcus Barney, financial education expert, breaks down the hidden rules of credit and how to use them to build real wealth. He explains how the credit system is designed to benefit banks—not consumers—and why miseducation and conflicting advice keep people trapped in debt. Marcus shares how understanding and strategically using credit in business can help founders grow without giving up equity, and why financial literacy—especially around budgeting and money relationships—should be taught before credit access, not after.


➡️ Show Links

https://successstorypodcast.com  

YouTube: https://youtu.be/xRSITMkKBe0 

Apple: https://podcasts.apple.com/us/podcast/marcus-barney-financial-education-expert-how-understanding/id1484783544 

Spotify: https://open.spotify.com/episode/3IfUvUTpCDCtR0rEPeGxPG 


➡️ Watch the Podcast on YouTube

https://www.youtube.com/c/scottdclary

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Transcript

Click on a timestamp to play from that location

0:00.0

HubSpot is a success story partner. Now, if you're an entrepreneur, listen up because HubSpot

0:06.1

makes impossible growth, impossibly easy for their customers. If you are building a business,

0:12.1

you need to get HubSpot. Why? Here's the perfect example. Morehouse College needed to reach

0:17.0

new students with fresh engaging content, a problem that every single business in the world

0:21.6

has. But with a 900 page website, even the tiniest update took 30 minutes to publish. Now, Breeze,

0:30.0

which is HubSpot's collection of AI tools, helped them write and optimize their content

0:35.1

in a fraction of the time. And the results, 30% more page

0:39.1

views and visitors now spend 27% more time on their site. If you are ready for impossible

0:45.4

growth like this, visit HubSpot.com. In this lesson's episode, uncover the truth about credit

0:51.0

and how it shapes financial freedom or traps. Learn how the system is built to benefit banks, not consumers.

0:56.2

Learn why most people misuse credit due to miseducation and conflicting advice

0:59.8

and learn how using strategic credit and business can fuel growth without giving up equity.

1:14.9

It's so confusing because you have Dave Ramsey saying don't buy shit on credit.

1:17.8

And now you have predatory credit cards.

1:19.4

And then America's built on credit.

1:25.1

I actually just learned this recently that credit is actually like a relatively new concept that was like based in the U.S.

1:26.9

Where in Europe for a long time there

1:28.2

wasn't as much credit as there is in the US like the the thought of buying shit with not your own

1:33.6

money in history is actually I think very new if I'm not mistaken and nobody knows how to play

1:41.9

that game like really really well and there's so much conflicting advice.

1:46.0

I think that's what really screws people.

1:48.0

And it's, it's, it's, it comes from a capitalistic place, right?

...

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