This is NOT the show where we teach you how to get out of debt. There are great programs and books out there that can help with eliminating debt; that's Dave Ramsey's wheelhouse. I wrote about it in Against The Grain and I like David Bach's book on the subject as well.

If someone is disciplined and has the right perspective of credit cards, can they be used to our advantage?

In This Episode We Look At:

• Addressing the question, "Do you need to have credit today?"
• Building or re-establishing credit
• Financial benefits of using credit cards wisely
• Fraud protection

Today's Resources and Links:

• Credit Karma
• The Total Money Makeover, Dave Ramsey
• Against the Grain, Tim Rosen

One Thing You Can Do Today to Improve Your Financial World:

• If you have the discipline to avoid keeping a debt balance, shop for the one credit card that offers the largest reward (a percentage in cash back or miles - whichever benefits you the most.) Look to avoid annual fees as these are often not necessary in order for you to receive the rewards.

What Are Your Thoughts?

If you have a question or comment about today's topic, we invite you to share your thoughts.

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