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

This thing from NPR, this thing right here...

Yeah, I resonated with this, because this is part of this discussion we're having.

Here's the headline.

A lack of credit history creates financial obstacles for immigrants.

And as a first generation American whose parents were immigrants, I resonated this because I went,

oh my gosh, this is my parent's story. Here's what it says. What may seem like an immigrant

cliche actually happens every day. Foreigners arrive in the U.S. with big dreams and a few dollar

bills in their wallet. That was true for both of us reporting the story. And it goes on to say the U.S. economy counts on you to borrow money and stay into

debt. And the epitome of all this is the credit score, which often snares newcomers into a

financial catch-22, penalizing a lack of debt history and pushing many to take confusing,

sometimes costly measures.

Oh, besides that, we need to support the U.S. economy because that's our first goal.

My first goal is not to support the U.S. economy.

My first goal is to make sure the Ramsey family is taking care of.

The U.S. economy will have to deal with itself.

They'll figure it out.

So that's what immigrants do.

It counts on you.

It counts on you to borrow money and stay in debt.

You need a credit score to live here.

That's pretty much what they tell you.

...