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Yes, I just have a real quick question. I have a son who is 17 about to turn 18, and my credit score is 830, and my husband's is like 780, and we want to start him off on the right track of having a good credit much like we do

and I was just wondering if there was a particular credit card or how y'all would maybe suggest

helping him get and obtain a good credit score as well okay uh I've never heard that question on this show before, actually.

Don't think I have. I've gotten it a couple of times. Jennifer, when did you start listening?

I just started like about a month ago. Okay, great. That makes sense. Okay, very good. Yes, welcome

aboard. So what is it that, what are you hoping he'll be able to do with

that credit score? I just want to learn a little bit more about your intent here. Well, I just want to

know that when he, he is also about to start college. He's a senior in high school now, and so he'll

be starting college, and I know that he'll need, you know, we bought him his first vehicle, but I know that down the road that he'll need to get a vehicle and possibly be able to have to rent an apartment for college and this, that and the other.

So I just want to make sure he has a good enough credit score to be able to get the things that he would need to get,

like a vehicle later down the road or maybe an apartment or something like that.

Well, here's, I'll be honest with you, here's why I don't like credit scores.

And here's why I don't, I've never focused on one and for, you know, for all intents and purposes,

I don't believe in them at all.

Because you have to have debt. You have to interact with debt in order to have a credit score. And we also know that when you

borrow money, the borrower is slave to the lender. And so there's this part of the credit score that

it has never, it doesn't make sense to me because it's all about how

you interact with debt how much debt you have what types of debt you've had how long you've had

your debt what percentage of your debt that you're using right it's all nobody's asking questions

about can you actually afford the item how are are you managing the cash that you actually,

and the money that is actually yours that is in your bank account? And so that's why I have an

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