Credit is one of those things everyone expects you to magically understand… even though no one explains it. In this episode, we break it all down in plain English.

You’ll learn what credit is, how credit cards work, why interest is dangerous, how credit scores are calculated, and how your credit decisions today can affect your life for YEARS—from apartments and car loans to job opportunities and monthly bills.

We dive into how to:
• Build credit safely
• Maintain a strong score over time
• Use a credit card without falling into debt
• Avoid interest traps
• Protect yourself from financial stress
• Recover from credit mistakes

Good credit gives you freedom. Bad credit makes life expensive. This episode teaches you how to get—and stay—on the good side.

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Ever look at your bank account and feel confused about what money you can spend versus what you should be saving? You’re not alone.

In this episode of Rich Girl Real Talk, we break down the basics of checking accounts, savings accounts, and emergency funds—what they’re for, how they work, and why separating your money is one of the easiest ways to reduce stress and stop accidental overspending.

We talk about:

• What checking accounts are actually meant for

• How savings accounts help your money grow over time

• Why emergency funds are non-negotiable (and how to start one without feeling overwhelmed)

• Common mistakes young people make—and how to avoid them

If you’re just starting out, got your first paycheck, or feel like your money disappears too fast, this episode will give you the clarity and confidence you need to manage your finances better—without shame or complicated jargon.

Budgeting doesn’t have to be restrictive, confusing, or overwhelming. In this episode of Rich Girl Real Talk, we break down what budgeting actually is, why it matters, and how to make it work for your life. We cover three popular budgeting methods—Pay Yourself First, the 50/30/20 rule, and Zero-Based Budgeting—plus how to track your expenses, avoid common mistakes, and even mix and match methods to build a system that reduces stress instead of creating it.

If you’ve ever felt like your money disappears the second it hits your account or that you’re just winging it financially, this episode will help you create clarity, confidence, and control—without giving up fun.