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- [00:01]
Home Depot Advertiser
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- [00:31]
Hilton Honors Advertiser
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- [00:59]
Austin Hankwitz
Hey everyone, and welcome back to the Rich Habits podcast, a top 10 business podcast on Spotify brought to you by Public.com by the end of this episode, you'll understand the three biggest myths about credit that are actively costing you money and what to do instead. My name's Austin Hankwitz. I'm joined by my co host, Robert Kroke. Robert is a seasoned entrepreneur with lifetime revenues over 300 million. And I'm multimillionaire in my early 30s with a background in finance and economics. As the show name might suggest, Every. Every episode of this podcast, we talk about rich habits as they relate to business, finance, and mindset. So, Robert, what are we talking about in today's episode?
- [01:39]
Robert Kroke
I am so excited about this episode, and we haven't done one of these in a very long time. And in today's episode of the Rich Habits podcast, we're tackling something that affects literally every adult in America, but almost no one actually understands it, and that is credit. Specifically, the three myths about credit scores and credit cards that are holding people back from building real wealth. The average American has $6,580 in credit card debt. And total US credit card balances just crossed $1.2 trillion, which is a record. And credit card interest rates are sitting at an average of 22.8%, the highest they've ever been. And at the same time, the average American credit score is 715, which is. Which sounds fine until you realize that the difference between a 715 and a 780 credit score can save you over $100,000 on a 30 year mortgage. That's right, $100,000 just based on the interest rate you qualify for.
- [02:43]
Austin Hankwitz
And yet most people's understanding of how credit actually works comes from their parents, their friends, or some Reddit thread they saw 10 years ago. The result of that is that millions of people that are smart, financially responsible people are making bad based on these myths that are actively costing them money every single month. So in today's episode, we're going to bust these big three credit myths wide open with real numbers, real data, and real strategies that you can use immediately. So, Robert, walk us through myth number one.
- [03:14]
Robert Kroke
Definitely buckle up and make sure you guys take notes because so many people get all of this wrong. And starting with number one, you have to be rich to have great credit. The this is a myth that stops people before they even start. The idea that great credit is something reserved for people who already have money, that you need a high income, a big savings account, or a certain net worth before you can build an 800 credit score. It's completely wrong and it keeps people stuck in a cycle where they assume they can't access better financial tools until they've already made it. Your income is not a factor in your credit score. Let me say that again. You your income is not a factor in your credit score. The credit bureaus do not know how much money you make. They don't know your salary, they don't know your net worth, your savings account balance, or how much you have invested. None of that information is part of the FICO or Vantage score models.
- [04:10]
Austin Hankwitz
That's a great segue into what is part of those models. Robert. So your credit score is based on entirely on how you manage the credit. You already have payment history, utilization, length of history, credit mix, and new inquiries. A teacher making $55,000 a year who pays their credit card in full every single month, keeping their utilization below maybe 10% or so, and has the same two cards that they've had for 12 years now, absolutely will have a higher credit score than a doctor making 10 times as much in income on an annualized basis. But they've maxed out their three credit cards and maybe they missed a payment a couple years ago. A third of millionaires in America never made over six figures. Figures. Many of those people have exceptional credit scores not because of the income, not because of the savings or their investments or anything like that, but because of their actual spending habits. They paid their credit cards off on time, they kept their balances low, and they let Their accounts age over time.
- [05:14]
Robert Kroke
I have seen this for decades, and I've known so many guys who've made millions of dollars and had 550 credit scores because they were sloppy on late payments, maxed out cards, collections they forgot about. Meanwhile, I've met younger people just starting out in their careers with 780 credit scores because they were disciplined from the beginning. Wealth and credit are two completely different things. You build wealth with your income and investments. You build credit with your habits.
- [05:43]
Austin Hankwitz
So when people believe that they need money to have good credit, they don't even bother trying if they've not yet hit those financial milestones that get them to feel that way. They don't open their first credit card. They don't set up autopay, they don't monitor their score on a monthly and quarterly basis like I know a lot of you listening do. Then when they actually need the credit, buy a car, get the apartment, qualify for a mortgage, whatever you might need credit for. They're either starting from zero or they have a bad credit score. And it's all bad news bears. Interest rates are high. No one wants that.
- [06:14]
Robert Kroke
The action step here, Austin, is you can start building credit today, regardless of your income. If you don't have a credit card, get a starter card. Even a secured card where you put down a $200 deposit works. Use it for one or two small purchases a month. Set up an autopay to pay the full balance and let time do the rest. Within 12 to 18 months of consistent on time payments and low utilization, you'll have a credit score that opens doors. Within three to five years, you'll be in the mid to high seven hundreds and on your way with no six figure income required to just the consistency that we talk about. And if you already have credit but haven't checked your score recently because you assume it wasn't great, go look. Keep an eye on it. Pull your credit report@annualcreditreport.com it's totally free. It doesn't affect your score to check it. You might be surprised at where you stand. And if there are errors dragging you down, disputing them takes 15 minutes and could save you thousands. So, Austin, take us into our second myth.
- [07:16]
Austin Hankwitz
Myth number two, carrying a balance helps your credit score. What a myth that one is. This is a myth that I think is costing Americans more money than any other single piece of financial misinformation that exists. The idea of if you go and you carry a small balance on your credit card month to month and you pay interest on that small little balance that, that somehow is going to show the credit bureaus that you're a responsible borrower and that your score is going to go up. False. Wrong. Do not pass go. Do not collect $200. Carrying a balance does nothing to help your credit score. Not even a little bit. Not any scenario. All it does is it's cost you money. Here's what actually happens. Your credit score, it's calculated based on those five factors that I had talked about. Payment history makes up 35%. So are you paying on time? Credit utilization makes up 30% of your score. How much of your available credit are you actually using? Length of credit history makes up 15%. Credit M makes up 10%. New credit inquiries makes up the other 10%. But Robert, tell us what's not on that list.
- [08:24]
Robert Kroke
What's not on that list? Interest paid. The credit bureaus like Equifax, Experian and Transunion do not know or care whether you're paying interest. They don't track it. It's not a factor in your score calculation. What they care about is whether you use the card, whether you paid on time, and what percentage of your available credit you're using at any given time. That, that is it. So let me walk you through what actually optimizes your score. You're using the credit card during the month your statement closes. The balance on that statement date called your statement balance gets reported to the Bureau's. That reported balance divided by your total credit limit is your utilization ratio. You want that number below the 30% at an absolute maximum and ideally below 10%.
- [09:10]
Austin Hankwitz
Then you pay that statement balance in full full by the due date, no interest. Payment history shows up on time. Utilization stays low. Your score benefits from both of those factors, which again makes up 65% of your entire score. If you instead carry a balance, you're paying on average 23% interest for absolutely no credit score benefit. I use my cards all the time. I, I genuinely don't even have a debit card is how often I use my credit cards, Robert. Groceries, gas, subscriptions, travel, business, everything. I use my credit cards all the time, but I pay the full statement balance off every single month. I pay 0 in interest. My credit score is 813. We checked it right before this episode. So I want to make sure I had an accurate number for you all. Is813 is my fico score right now. I don't pay interest. I don't keep little balances here and there for fun. So you do not need to pay interest. To prove that you have worthy credit, you need to use your credit to pay it off. That's it.
- [10:09]
Robert Kroke
Yeah. Austin is definitely not one of these people that's out there helping these banks build these big, massive, beautiful buildings. So let's get into credit myth number three. Closing old credit cards is a smart play. You get out of debt, you cut up the cards, you close the accounts, and you feel like you're making a fresh start. It feels responsible. It feels like you're clearing up your financial life. And in almost every case, it. It actually hurts your credit score. And here's why. Remember those five factors? Two of them are directly impacted when you close a credit card. The first is credit utilization. That 30% factor we talked about. When you close a card, you're reducing your total available credit. And if you have three cards with, let's say, a $30,000 combined limit, and you close one card with a $10,000 limit, your total available credit dropped to 20,000. So if you're carrying $3,000 in balances across your remaining cards, your utilization just jumped from 10 to 15%, and that's not what we want to see.
- [11:11]
Austin Hankwitz
And to your point, Robert, that second factor, length of credit history, that. That's a 15% component into what makes up your credit score. Your credit score benefits from having a long, average age of accounts. If your oldest card is 15 years old and. And you close it, your average age of accounts now drops lower significantly. The bureau wants to see long, stable history of responsible credit use. So closing your oldest account shortens that history. The card has a high annual fee. Now, this one's important. You got a card, it's got a high annual fee. You're not using the benefits. It might be worth closing if you could take that money and do something smarter with it. If that card maybe is tied to a spending habit that you're trying to break, and it's really hard for you to keep this card. Right. The behavioral benefit of closing it could outweigh that score impact. Right. Those are real considerations. Personal finance is personal. But the default advice here of, I'm not using this card anymore, so I'm going to close it is normally the wrong move. The better move is to keep the card open. Use it for maybe one or two small recurring charges, like a Netflix subscription or a Wall Street Favorites subscription. Set it on autopay, make sure it gets paid off every month, put it in a drawer, and forget about it. You get the utilization benefit, which is really important, and you get that credit history benefit as well. And that costs you nothing. Especially if you're paying it off on time because you're not paying interest.
- [12:36]
Robert Kroke
So the rule of thumb here is really simple. Unless there's a compelling financial reason to close a card like a high annual fee, you can't justify keep it open. Low utilization and long credit history are two of the most powerful score builders and old cards with no annual fees get give you both for free. So like Austin said, put it in the drawer, forget about it, but don't cancel it unless there's a really good reason.
- [13:02]
Austin Hankwitz
Now Robert, before we wrap up this episode, sharing our credit playbook, pulling all of these myths together with real solutions. Gotta give a shout out to public.com, the investing platform for those who take investing as seriously as we do. Here on the Rich Habits podcast on Public you can build a multi asset portfolio of stocks, bonds, options, cryptocurrency and now generated assets which allow you to turn turn any idea into an investable index using AI.
- [13:29]
Robert Kroke
And it all starts with your prompt. From renewable energy companies with high free cash flow, semiconductor suppliers, growing revenue over 20% year over year, you can literally type any prompt and put the AI to work. It screens thousands of stocks, builds a one of a kind index, and even lets you back test it against the S&P 500, all with just a few clicks.
- [13:50]
Austin Hankwitz
Generated assets are like ETFs, but with infinite possibilities. They're completely customizable. They're based on your thesis, not someone else's. So. So go to public.com rich habits, that's public.com rich habits and transfer your portfolio to public again public.com rich habits paid
- [14:10]
Robert Kroke
for by Public Investing. Full disclosure in the podcast description.
- [14:14]
Austin Hankwitz
All right Robert, we've busted the myths wide open. Let's now give everyone a simple playbook they can execute upon starting today as it relates to their credit. Step one, Robert, is to pay your statement balance in full every single month. Got to get this done. This is important. This keeps your utilization low, your payment history perfect interest charges at zero. And if you can't pay the full balance, that is not a credit strategy problem. You have an actual spending problem that has nothing to do with oh my credit this. No, it just means like you're spending too much money. You're not living below your means, you're not finding margin in your budget. You have to address the root cause and making sure that you are actually living within your budget budget, not overspending before you try and optimize credit or whatever's going on.
- [15:01]
Robert Kroke
I just met with Someone the other day and she asked me for help. Got her set up on our simple budget, honest budget program. Got her all dialed in. Three days later, she says to me, oh, I'm going to Italy for a wedding. I'm like, what? You don't have that in your budget? We just went through your money. You don't have it. Well, that's okay. I just paid off that one credit card. I'm just going to put the trip on that. And I'm like, no, that's not how this works. Just because they give you credit doesn't mean you should use it. You have to break the cycle. And that leads us to step two. Keep your utilization below 10% of your total available credit. So if you have $20,000 in total credit limits across all cards, try to keep your reported balances below that $2,000 mark. And if you need to make a large purchase that's going to spike your utilization temporarily, consider paying it down before the statement closes. So the lower balance is what gets reported.
- [15:55]
Austin Hankwitz
Step number three here, Robert, is don't close old cards unless they carry an annual fee that you just can't justify. I know that Amex Platinum card I think is like 800 bucks a year or $900 a year. And you want to close that. I get it. That's very expensive. But if you've got a Discover it 5% cash back card that has no annual fee, maybe it's a good idea to keep it around. Put a small recurring charge on that card, set up that auto pay, and let them quietly boost your average age of accounts and total available cred over time.
- [16:25]
Robert Kroke
Step number four, Check your credit score monthly and pull your report from all three bureaus at least twice a year@annualcreditreport.com dispute any errors immediately. This is free and it doesn't hurt your score. And it's one of the highest return activities you can do with 15 minutes of your time.
- [16:44]
Austin Hankwitz
Let's just take a moment to think about how important this is, Robert. A strong credit score gets you the best mortgage rates, the best auto loan rates, the best insurance premiums, the best credit card rewards, and in some states, it could even impact your apartment applications and maybe job applications. I don't know. People are weird. They pull credit before they hire people. Every point matters because it compounds across every financial transaction you make for the rest of your life. Which means the difference between average credit and excellent credit over a lifetime of borrowing is easily six figures.
- [17:15]
Robert Kroke
Your credit score is one of the most powerful financial tools you have. And unlike your income, your net worth, or your investment returns, it's something you can directly control with simple, consistent behavior. The people who build wealth don't just invest well, they borrow well too. And borrowing well starts with understanding how the system actually works, not how you think it works. And that's what this episode is all about.
- [17:40]
Austin Hankwitz
What an incredible episode, Robert. I'm so grateful that we're able to really open up our own playbooks, my own credit score, what we're doing, what you're doing, how we built built credit over the years here and share it with people unfiltered, leaving it all on the table. It's my favorite thing to do. And I'm so grateful, grateful so many people come back and listen to the show.
- [17:57]
Robert Kroke
Yeah. And credit is not easy. That's why I'm so excited about this episode. And I hope people really dig in and digest all this, because especially for entrepreneurs like I've been For the last 35 years, there are times when money's tight and you're using your utilization in the cards and you have to max them out or maybe get a cash advance or something. But the goal here is to create really, really strong habits. And that's why we've laid out the playbook to help prevent you from using your credit poorly.
- [18:26]
Austin Hankwitz
So, Robert, let's now jump to our Q and A section of this episode. If you have a question to ask us, you can email us@rich habitspodcastmail.com or you can DM us on Instagram at Rich Habits Podcast. Our first question comes from Brian on Instagram. Brian says, hi, Austin and Robert, My name is Brian. I'm a big fan of the show and I've been listening to you for close to a year now. And it has completely changed my financial situation, truly. Thank you so much. Let's go, Brian. Dude, I didn't change anything. Robert didn't change anything. You changed it. You took control of your life and we are so excited for you. So congratulations, Brian. You're crushing it, man. Brian says, when it comes to taking profits in our investments, do you worry about taking profits on your long term positions or index funds like voo, or do you only apply profit taking strategies to more niche investments? To me, it doesn't really make sense to take profits on the S P or a V or a qqq, reinvest the money back into VOO and qqq. Is that the correct assumption or am I missing something here? Is the absolute correct assumption. Brian, let's walk through it just to make sure everyone's on the same page. We are deep believers. Firm, firm believers. Everyone should have the vast majority of their invested capital in index funds and blue chip ETFs like the S&P 500, the NASDAQ 100, the Dow Jones Industrial Average, the Russell 2000 International like, like you should have exposure to these incredible index fund go up by 8, 10, 12% over a long period of time. That is how compounding and wealth really begins to build over time. When we say taking profits, we are more so talking about those opportunistic investments. So this might be. Hey, my name's Austin. I really liked Amazon below $200 a share. I took a lot of money in my portfolio. I moved some things around and I bought a lot of Amazon stock below $200 a share. It was just trading at 250 or 260 the other day. That's a great opportunity. Cool. I made 50 bucks a share. I've got 200 shares. That's $10,000. Maybe I want to take some profits there of that 10,000 and put it elsewhere in my portfolio. And so that's what we're talking about when it comes to taking profits. Robert has a wonderful profit taking strategy and sort of a rule he follows that I'll let him chime in on here in a second. But when it comes to the index funds and these ETFs, you want to hold those forever, there's no reason to sell those. Those just continue to compound over time. You want to be a net buyer of those, not a net seller, net buyer of the index funds we talk about. So Ro, over to you for your awesome profit taking strategy.
- [20:59]
Robert Kroke
Yeah, I actually love this question and Brian, you nailed it. I have not taken profits from voo, qqq, vti, moat. I can't even remember. It's been decades. I just let that money reinvest, reinvest and compound over time. That is how you build wealth. And Austin spelled it out perfectly. When we're doing these high beta plays, maybe you like a space stock or you like something in the AI sector. Some of these high conviction but high bet the risky plays. When you make a bunch of money with those, we like to take those profits and move those back into these long term holds, preferably in your Roth IRA and your retirement accounts. And my rule of thumb for these high volatility plays when I'm, I'm taking these risks in these individual stocks is generally when I get up 50%, I pull out 25% of the profits there. When I get up 50 again, I pull out 25 again, and so on until I'm totally playing out House's money. And then I move those funds, those profits, back into the Voos and QQQs and VGTs of the world because those are my forever holds. That's how I do it. That's been my playbook for 30 years. And Austin follows it pretty closely as well. So you're spot on. That's how you do it. And that's how I would keep doing it if I were you.
- [22:23]
Austin Hankwitz
Robert, that was a great answer to Brian's question. Now, before we jump to our next two questions, we definitely, in the second half of 2026, we just saw a 4% decline in the NASDAQ. Just the other week, CPI came in, I think it was at 4.2%. The Fed was going to cut rates by three times. Now they might raise rates in 2026. I feel, Robert, as if uncertainty has never been higher, which is why it
- [22:49]
Robert Kroke
has never been more important to have a plan and stick to it. And if you're a long term investor like us, that plan has never been easier to come up with and implement dollar cost average and ride the wave.
- [23:02]
Austin Hankwitz
We've been talking about how important it is to dollar cost average for years now. And when the market feels shaky, it's really hard to see the progress you're making, which is why we recommend being part of the social platform Blossom. Social. On Blossom, you're able to see your entire portfolio in a very clean and simple way. Your holdings, your performance, your dividends, all of the good stuff that you care about.
- [23:22]
Robert Kroke
You're also able to follow other long term investors on the platform, helping you stay motivated during uncertain times. Not to mention the portfolios on Blossom are all verified. So if you're seeing someone buy or sell a name, it's actually because they did it in their own brokerage account.
- [23:37]
Austin Hankwitz
We're both on there. Robert's portfolio's on there, my portfolio's on there. We're having a good time. So if you want to join us, be sure to search Blossom Social in the App Store. Head over to blossomsocial.com on your phone or desktop and go check out their new AI agent. Bevis. You can ask IT questions about your portfolio, like, am I outperforming the S and P? Do I have too much tech exposure? Do I need more this? What should I think about that? What's my dividends looking like? It's a cool AI built into blossom. So go check out blossomsocial.com there's also going to be a link in the show Notes below. So, Robert, let's now jump to our second question coming from Mark F. Mark says, I want to thank you all so much for your podcast. I have been listening to it for under a year and I've just been catching up. I feel like I've learned so much from the both of you, and it made some really great gains toward financial freedom in the future. I'm in my late 30s for context. However, I don't think you need much personal information for this question. Mark says, I'm from Canada, so I was wondering if I should be buying American ETFs in my retirement accounts. They do come with a significant fee, which is why I'm asking. I have a bunch of NEOS funds in my rrsp and I've got VOO and QQQ as well, thanks to you guys. Okay, so Robert, it seems like Mark's question's like, listen, I want to do what you guys talk about. Own the S and p, own the NASDAQ, but when I buy these American ETFs, it's a lot more expensive to trade them on my platform. So, Mark, no, you don't need to buy the American ETFs, but you need to buy some sort of ETF that is low cost, low, low expense ratio that's going to mimic the total return of the underlying indices that these ETFs represent. So Voo represents the S&P 500. There's a ton of other ETFs that also represent the S&P 500. But like Voo is one of the most popular one. Qqq represents the NASDAQ 100. There's also a ton more that do that. Right. But like the underlying indices, the NASDAQ and the S and P, that's what you are investing into. That's what you need to go find in the Canadian version. So, Robert, did you find some of those?
- [25:44]
Robert Kroke
Yeah, I did. And it basically, from what I understand here and I'm reading, is it's about a 1.5% conversion fee. But also if you can find the Canadian alternative, these would be what we're talking about here. But they're listed as ETFs on the Canada Exchange on CAD. Then you can avoid these external fees totally and keep the same fee structure that we pay here in the United States. So I hope that helps.
- [26:09]
Austin Hankwitz
That's a good call out, Robert. I'm looking at it right now here. There's two options. You can either do the unhedged version where your returns fluctuate depending on the Canadian dollar and the US Dollar exchange rate. And then there's the hedged version which neutralizes the currency fluctuations. Top Top Canadian S P500 ETFs include the Vanguard S P500 Index ETF V F V traded on the Toronto Stock Exchange. There's also the iShares Core XUS, there's the BMO ZSP. Like there's a ton. So like no, you don't need Voo. You don't need QQQ. What you need is the S P 500. What you need is the NASDAQ 100. And find out what that equivalent is for you and your money. Now our final question comes from Michael on Instagram. Michael says, hey Aust Austin Robert My name is Michael, I'm 18 years old, turning 19 here pretty soon and I want to invest, but I have a car loan of $17,000 at $410 a month at a 14% interest rate. I also have $4,000 of a car loan from my previous car that I wrecked and I still have to pay on. I make $2,500 a month. After budgeting, I still have about $1,200 left. And since I don't have many bills because I live at home, my question is should I invest this $1200 in my Roth IRA into the ETFs you talk about or should I use it to pay off both of these car notes? Because you always say you can't out invest high interest debt. Robert I love this question from Michael here and I think we're catching him at a great age, 18, 19 years old. So I'll let you kick this one off.
- [27:45]
Robert Kroke
Michael, I love this and you are spot on. You can't out invest high interest debt. I love that you're thinking about VOO and getting the Roth going and all that. But you have to get rid of this 14% interest rate. I don't even know how you have such a high interest rate. I'm assuming maybe you had bad credit at the time and that was the best rate you can get. But you have to either get your credit up and refinance that and get it down to a reasonable rate because we always want to see compounding work over time. But right now you're fighting an uphill battle because you have this high interest debt. So I would start there. Is it a credit issue? And if it is, fix the credit. We just talked about it in this episode of how to do that so you can get a better rate on the car and maybe refinance it or keep chunking away to get it paid down or off. Off. And then get rid of the 4,000 from the other car. That would be my take. The only thing I would add is I would have some money for an emergency fund@public.com and a high yield cash account just as an emergency while you're getting rid of this high interest debt. That would be my take. I wouldn't even consider starting to invest until you knock this down as much as possible or get rid of it altogether.
- [28:58]
Austin Hankwitz
I think that's a great breakdown, Robert. If you take $1200 a month. Month. And you deploy it towards $17,000 car note and another $4,000 car note, it'll take you about 18 months to pay it all off. That's a cool place to be. You obviously owe 4,000 on a car that you wrecked and you like still have to pay it off, which is tough. So I'm sorry to hear that. Just pay that one off first. I guess it'll take three or four months there, but then the other, you know, 17,000, that'll take another 14 months or so at this. Twelve hundred bucks a month. But listen, 18 months into the future, you're out of high interest debt. You've got a car that's probably worth 15,000, maybe 12,000, depending on what you're driving. And, you know, whatever that looks like for you when you bought it. And now you're coming from a place of no car payments. So you're going to keep this car for as long as you can to keep it at no car payments. And now you've got. What is it here, Robert? About sixteen hundred dollars that you can deploy into the markets. Oh my gosh, Robert. 1600 bucks a month to invest at the age of 19 or 20. That is a great place to be.
- [29:56]
Robert Kroke
I love it because even at 20 years old, all of this is gone. It's out of the picture. Credit score is up. You're still so far ahead of most Americans who kick the can down the road as it relates to their credit and getting started on their financial journeys, sometimes into their 30s and 40s. So I love this from Michael and thanks for asking, everybody.
- [30:17]
Austin Hankwitz
Thanks so much for tuning in to this week's episode of the Rich Habits podcast. Like we said earlier, we're so grateful you all come back every single week. There's over a hundred thousand of you that listen to these episodes on a weekly basis. If you learn something from, from this credit focused episode. Share it with a friend, share it with your spouse, share it with your siblings, share it with your children, share it with your neighbors or your co workers. Like credit impacts everyone, Robert, and our goal is to make sure that we are busting these credit myths wide open so everyone understands how to actually build credit, what matters and what does not matter. And we think this episode does a solid job of teaching people that 100%.
- [30:54]
Robert Kroke
It just really is all about proper spending, proper habits and understanding the math of having that higher credit score is going to save you sometimes tens, hundreds of thousands of dollars over your lifetime or the lifetime of a 30 year mortgage. So, so important. We are here to provide you guys as much value and understanding on all of the hardest topics we all face every single day with our personal finance.
- [31:23]
Austin Hankwitz
And please consider leaving us a five star review if you enjoy these episodes. We really, really appreciate it. Be sure to do that on Spotify or Apple or anywhere you listen to the podcast. That said, Robert, we will see you all on Thursday.
- [32:00]
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