Trent Swanson

So self-examine, will you pay your statement in time or will you borrow against it, right?

And so look at your own self-finance.

Do you have enough cash to spend $5,000?

in a 90-day period to get $80,000, $100,000 bonus points.

So self-discipline is super important because at 25% interest rate, compounding monthly, it's too expensive to screw up.

So

Credit is really important.

You know, be careful.

I think the number one tip is go to one of the publicly traded, go to Equifax, Experian, TransUnion.

Do a self-assessment check.

Don't click on their credit card links because they offer inferior credit cards and they haven't asked you the top four questions.

So don't buy from someone who hasn't qualified you.

So do a self-check.

Look at number of accounts you have open.

Look at your credit score, any delinquencies.

You'll get healthy first because you'll need that to buy a house.

You'll need that to buy a car to get the best rates.

You need that to stay out of bankruptcy.

So yeah, look at that.

Treat credit as an asset, but treat it seriously and don't get overextended.