Why Most People Will Stay Broke (And How to Avoid It)

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How should you use credit to build real wealth? In this episode, we break down why your credit profile could be your biggest asset going into 2026. If the economy takes a hit, strong credit gives you options while others are stuck.

We’ll talk about how credit can help you buy income-producing assets, why using it the right way matters, and simple steps to boost your fundability score. You’ll also learn our WEALTH framework (Wisdom, Equity, Assets, Leverage, Taxes, Hedge)—a simple way to think about building long-term security.

If you want to strengthen your credit, prepare for uncertain times, and put yourself in position to grab opportunities when they come, this episode is for you!

Timecodes
00:00 Why Credit Will Decide Your Future
02:15 The Harsh Reality of 2026
05:40 How Credit Quietly Controls Your Life
09:10 Why Most People Ignore Credit Until It’s Too Late
13:05 The System Is Rigged Against the Unprepared
17:25 What Banks Don’t Tell You About Scores
21:50 Strong Credit vs Weak Credit: Night and Day Difference
26:30 How Missed Payments Haunt You for Years
31:05 Credit Myths That Keep You Broke
36:20 The Domino Effect of Weak Credit in a Crisis
40:55 Why Credit Is More Important Than Cash in 2026
45:15 The Roadmap to Building Bulletproof Credit
50:40 Hidden Perks of Strong Credit That No One Talks About
55:05 The One Step You Must Take Before It’s Too Late
59:10 Final Thoughts and Next Steps