Caleb Hammer

Every on-time monthly payment builds positive history.

And since the payments are small, your utilization improves fast.

And with premium or ultimate, you can even add rent reporting so the rent you already pay helps you build your credit.

Only positive on-time rent payments get reported.

You can sign up in minutes on your phone and set up auto pay so you never stress out about missing a payment.

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Must sign up at getkickoff.com slash caleb to activate offer.

Offer applies to new Kickoff customers first month only.

Subject to approval.

Offer subject to change.

Average first month credit score impacted plus 25 points.

Banned to score 3.0 between January 2024 and November 2024 for Kickoff credit account users who started with a score below 600, who purchased at least one item with credit account, and who paid one on time in their first month.

Late payments may negatively impact your credit score.

Individual results may vary.

Thanks again to Kickoff for sponsoring the video.

Let's get back to it.

You suck with money, so you download a budgeting app.

You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use.

So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right?