RUSH TRANSCRIPT Welcome back ░░░░░░░░ cheddar everyone this financial ░░░░░░░░ segment is sponsored by ░░░░░░░░ finding tree shot and ░░░░░░░░ loans credit cards insurance ░░░░░░░░ more false Bring is ░░░░░░░░ around the corner and ░░░░░░░░ you re like many ░░░░░░░░ Americans you re probably ░░░░░░░░ up on all this ░░░░░░░░ cleaning essentials but before ░░░░░░░░ gear up with rubber ░░░░░░░░ and cleaning supplies It ░░░░░░░░ also want to consider ░░░░░░░░ away some of those ░░░░░░░░ financial habits as well ░░░░░░░░ get to discuss how ░░░░░░░░ clean up your finances ░░░░░░░░ spring is norm camp ░░░░░░░░ of mastering money norman ░░░░░░░░ for joining us today ░░░░░░░░ thanks so much for ░░░░░░░░ me so what are ░░░░░░░░ of the cash the ░░░░░░░░ is we should be ░░░░░░░░ about it So spring ░░░░░░░░ they always say you ░░░░░░░░ change or batteries in ░░░░░░░░ smoke alarm so great ░░░░░░░░ to think about I ░░░░░░░░ am I financially I ░░░░░░░░ about budget thing about ░░░░░░░░ I am on incoming ░░░░░░░░ you know we is ░░░░░░░░ seeding in go which ░░░░░░░░ a big problem for ░░░░░░░░ lot of people think ░░░░░░░░ where you are in ░░░░░░░░ You know Americans continue ░░░░░░░░ set records we re ░░░░░░░░ debt So think about ░░░░░░░░ you are in debt ░░░░░░░░ about where you are ░░░░░░░░ taxes is a perfect ░░░░░░░░ for tax If you ░░░░░░░░ getting a big refund ░░░░░░░░ want to get less ░░░░░░░░ during the years they ░░░░░░░░ more cash flow and ░░░░░░░░ last at a retirement ░░░░░░░░ things were all in ░░░░░░░░ of our own retirement ░░░░░░░░ now and where pensions ░░░░░░░░ the private sector so ░░░░░░░░ about where you are ░░░░░░░░ your tax deferred savings ░░░░░░░░ Deep dive into spending ░░░░░░░░ reoccurring charge and fees ░░░░░░░░ s a big area ░░░░░░░░ people can see and ░░░░░░░░ even knowing that he ░░░░░░░░ leaving there count of ░░░░░░░░ can you recover and ░░░░░░░░ it s one thing ░░░░░░░░ talk about in the ░░░░░░░░ most Americans the averages ░░░░░░░░ 9 apps that are ░░░░░░░░ them fee every month ░░░░░░░░ people use about 2 ░░░░░░░░ 3 apps that charge ░░░░░░░░ So we re all ░░░░░░░░ re all prey to ░░░░░░░░ right you get the ░░░░░░░░ trial Just give your ░░░░░░░░ card will start charging ░░░░░░░░ a month a month ░░░░░░░░ don t remember that ░░░░░░░░ gave that credit so ░░░░░░░░ s an easy example ░░░░░░░░ of kind of being ░░░░░░░░ with finance right So ░░░░░░░░ are we trying to ░░░░░░░░ we re trying to ░░░░░░░░ conscious of what we ░░░░░░░░ doing that let s ░░░░░░░░ let the unconscious stuff ░░░░░░░░ us down so make ░░░░░░░░ you check are you ░░░░░░░░ all those apps look ░░░░░░░░ your eating easily look ░░░░░░░░ your credit card statement ░░░░░░░░ wait what is that ░░░░░░░░ signed up for NBA ░░░░░░░░ past and I really ░░░░░░░░ in the NBA games ░░░░░░░░ take a look at ░░░░░░░░ right away that s ░░░░░░░░ easy example of a ░░░░░░░░ to get spending down ░░░░░░░░ about also Is there ░░░░░░░░ coming up that you ░░░░░░░░ would like to watch ░░░░░░░░ you can watch it ░░░░░░░░ one time or maybe ░░░░░░░░ s available on the ░░░░░░░░ instead of signing up ░░░░░░░░ something that s going ░░░░░░░░ come back to haunt ░░░░░░░░ Let s say you ░░░░░░░░ into that overspending trapped ░░░░░░░░ that comes debts obviously ░░░░░░░░ what are some steps ░░░░░░░░ can take to reverse ░░░░░░░░ that are maybe just ░░░░░░░░ in the first place ░░░░░░░░ we are awash in ░░░░░░░░ as you know with ░░░░░░░░ unfortunately and that goes ░░░░░░░░ might be at the ░░░░░░░░ government on down So ░░░░░░░░ consumer personal debt although ░░░░░░░░ went down after the ░░░░░░░░ personal debt was down ░░░░░░░░ are now setting a ░░░░░░░░ every year for personal ░░░░░░░░ so what are some ░░░░░░░░ to think about number ░░░░░░░░ is credit cards nothing ░░░░░░░░ than charging something on ░░░░░░░░ credit card nothing worse ░░░░░░░░ look at your statement ░░░░░░░░ know 20 days later ░░░░░░░░ say wait how we ░░░░░░░░ going to pay for ░░░░░░░░ So try to cut ░░░░░░░░ to one credit card ░░░░░░░░ to pay it off ░░░░░░░░ month if you can ░░░░░░░░ get their think about ░░░░░░░░ So all the studies ░░░░░░░░ that if you have ░░░░░░░░ and use that you ░░░░░░░░ less no surprise that ░░░░░░░░ you actually have to ░░░░░░░░ know they handed over ░░░░░░░░ think about doing that ░░░░░░░░ at some of the ░░░░░░░░ categories of debt so ░░░░░░░░ have a whole chapter ░░░░░░░░ the book about housing ░░░░░░░░ I called the mortgage ░░░░░░░░ so I m a ░░░░░░░░ against the green here ░░░░░░░░ ve got a lot ░░░░░░░░ promotion our society that ░░░░░░░░ of path to wealth ░░░░░░░░ might be But it ░░░░░░░░ not be it s ░░░░░░░░ financial decision just like ░░░░░░░░ other so keep a ░░░░░░░░ eye on the kind ░░░░░░░░ housing debt that you ░░░░░░░░ going to take on ░░░░░░░░ last to card debt ░░░░░░░░ card debt Amazingly the ░░░░░░░░ of Americans have more ░░░░░░░░ on their car Then ░░░░░░░░ car is worth so ░░░░░░░░ worth around average of ░░░░░░░░ and the debt around ░░░░░░░░ average of 40 000 ░░░░░░░░ you know are you ░░░░░░░░ you need that new ░░░░░░░░ you should need to ░░░░░░░░ that ride can use ░░░░░░░░ right existing right and ░░░░░░░░ that debt down What ░░░░░░░░ some things we should ░░░░░░░░ considering when it comes ░░░░░░░░ our income and our ░░░░░░░░ habits to really help ░░░░░░░░ maximize our financial help ░░░░░░░░ a lot of folks ░░░░░░░░ wrapped up and that ░░░░░░░░ how much should be ░░░░░░░░ how much we re ░░░░░░░░ So first things first ░░░░░░░░ to try to maximize ░░░░░░░░ so on that front ░░░░░░░░ about your job what ░░░░░░░░ of skills you building ░░░░░░░░ new job are you ░░░░░░░░ you know is it ░░░░░░░░ place where you can ░░░░░░░░ forward to maybe make ░░░░░░░░ progress in your career ░░░░░░░░ big thing in your ░░░░░░░░ is most people many ░░░░░░░░ have a matching for ░░░░░░░░ k match from their ░░░░░░░░ don t let that ░░░░░░░░ on the table maximize ░░░░░░░░ 4 link a job ░░░░░░░░ if you don t ░░░░░░░░ an employer and so ░░░░░░░░ about those things think ░░░░░░░░ if we can get ░░░░░░░░ come up and get ░░░░░░░░ down and we start ░░░░░░░░ be able to pay ░░░░░░░░ some of that debt ░░░░░░░░ we can look forward ░░░░░░░░ think about right if ░░░░░░░░ get there what do ░░░░░░░░ do now how do ░░░░░░░░ maximize my assets Fantastic ░░░░░░░░ thank you so much ░░░░░░░░ dormant champ is author ░░░░░░░░ mastering money you want ░░░░░░░░ learn more financial tips ░░░░░░░░ lendingtree dot com forward ░░░░░░░░ bar Crack open your ░░░░░░░░ bank guard next guest ░░░░░░░░ rounding up a loose ░░░░░░░░ of support Great we ░░░░░░░░ talk to the founder ░░░░░░░░ spare change day after ░░░░░░░░ break.