Unknown Caller

And that ultimately, um, I'm not trying to be goody two shoes when I, before I worked at Ramsey, I had a move with a comp with my company and the company is going to pay for the move, but I had to front load it. I went and opened up a rewards card so I could get the flight points. And it wasn't until I was literally on the drive and I was like, wait a minute. who's paying for this flight?

And that ultimately, um, I'm not trying to be goody two shoes when I, before I worked at Ramsey, I had a move with a comp with my company and the company is going to pay for the move, but I had to front load it. I went and opened up a rewards card so I could get the flight points. And it wasn't until I was literally on the drive and I was like, wait a minute. who's paying for this flight?

And that ultimately, um, I'm not trying to be goody two shoes when I, before I worked at Ramsey, I had a move with a comp with my company and the company is going to pay for the move, but I had to front load it. I went and opened up a rewards card so I could get the flight points. And it wasn't until I was literally on the drive and I was like, wait a minute. who's paying for this flight?

These guys aren't my friends. And when I dug into it, it was like, oh my gosh, it's delinquent borrowers. Folks who are broke and who are struggling, they're paying for my flight or my hotel. And I want out of that system completely. I don't ever want to be a part of a predatory system like that if I can in any way help it. So I just want to opt out of the whole gross game, man.

These guys aren't my friends. And when I dug into it, it was like, oh my gosh, it's delinquent borrowers. Folks who are broke and who are struggling, they're paying for my flight or my hotel. And I want out of that system completely. I don't ever want to be a part of a predatory system like that if I can in any way help it. So I just want to opt out of the whole gross game, man.

These guys aren't my friends. And when I dug into it, it was like, oh my gosh, it's delinquent borrowers. Folks who are broke and who are struggling, they're paying for my flight or my hotel. And I want out of that system completely. I don't ever want to be a part of a predatory system like that if I can in any way help it. So I just want to opt out of the whole gross game, man.

And just so we know, between 2020 and right now in 2024, $100 billion more credit card company firms, credit card firms made from interest payments. It went from $76 billion to $170 billion in 2024.

And just so we know, between 2020 and right now in 2024, $100 billion more credit card company firms, credit card firms made from interest payments. It went from $76 billion to $170 billion in 2024.

And just so we know, between 2020 and right now in 2024, $100 billion more credit card company firms, credit card firms made from interest payments. It went from $76 billion to $170 billion in 2024.

And by the way, I love that this person called this out. Once you have one issue, your brakes go out on your car, suddenly you need to, you know, you're driving an old, old used car. because that's what you can afford and somebody gave it to you, but now your local community has another $100 because it's a hybrid fee and they don't have the gas revenues in your community.

And by the way, I love that this person called this out. Once you have one issue, your brakes go out on your car, suddenly you need to, you know, you're driving an old, old used car. because that's what you can afford and somebody gave it to you, but now your local community has another $100 because it's a hybrid fee and they don't have the gas revenues in your community.

And by the way, I love that this person called this out. Once you have one issue, your brakes go out on your car, suddenly you need to, you know, you're driving an old, old used car. because that's what you can afford and somebody gave it to you, but now your local community has another $100 because it's a hybrid fee and they don't have the gas revenues in your community.

And suddenly you put something on the credit card. You just are like, dude, I have to. The washer breaks. Your kid needs a pair of shoes for made the cross country team and you swipe it. At 20-something percent interest, it's so hard to get out of that cycle. Once you swipe it once, man, it's so tough to get out of it. It's not worth it.

And suddenly you put something on the credit card. You just are like, dude, I have to. The washer breaks. Your kid needs a pair of shoes for made the cross country team and you swipe it. At 20-something percent interest, it's so hard to get out of that cycle. Once you swipe it once, man, it's so tough to get out of it. It's not worth it.

And suddenly you put something on the credit card. You just are like, dude, I have to. The washer breaks. Your kid needs a pair of shoes for made the cross country team and you swipe it. At 20-something percent interest, it's so hard to get out of that cycle. Once you swipe it once, man, it's so tough to get out of it. It's not worth it.

Man, if you can avoid playing this game at all, get out of the game. Just opt out of the whole system.

Man, if you can avoid playing this game at all, get out of the game. Just opt out of the whole system.

Man, if you can avoid playing this game at all, get out of the game. Just opt out of the whole system.

hated there is let's be honest there's idiots who are like what are buying burritos with clarna or whatever yeah that person exists right but that's outside the the bell curve the majority of americans are trying to make stuff got way more expensive the last five or six years and it got way way more expensive recently people are just trying to survive and they're swiping this thing and it's once you get in that cycle man it is tough tough to get out of it's like a rip current mm-hmm

hated there is let's be honest there's idiots who are like what are buying burritos with clarna or whatever yeah that person exists right but that's outside the the bell curve the majority of americans are trying to make stuff got way more expensive the last five or six years and it got way way more expensive recently people are just trying to survive and they're swiping this thing and it's once you get in that cycle man it is tough tough to get out of it's like a rip current mm-hmm