So my new favorite movie, like most of America or the world, is wicked right now.

Now, when I saw it for the first time, there was a line that stood out to me immediately, and I think it relates to money.

So today, we're going to talk about that, and we're going to talk about how you can overcome three villains of personal finance. And before we start, make sure to subscribe to this

channel, like this video, and share this with a friend. Okay, so, like I mentioned, the line from

Wicked, when Madam Marble says, not everyone has the same villain. It got me thinking. Here's the deal, y'all.

You kind of rally together if you're kind of going after the same villain, right? There's a villain out there,

and we're all going after that villain. And we see this, we see this in politics, like we see this

in different parts of our lives. But when we think about money, I never like to make the villain a person

necessarily, right? Yes, are there scammers out there? Are there people that are villains in that

world? Sure. But there are industries out there, like billion dollar industries out there that

are coming to take our money. Like their whole goal is to make money off of us. And so I was thinking,

what if we all rallied around? And we're like, we're going after a villain. That industry,

that villain out there, if we can all rally around that, that is when we get on the same page.

And we actually start talking about, hey, how do we ask questions better when it comes to our

money? Hey, should I be a little skeptical here or there?

But when you start thinking about an industry-wide villain, I don't know, that it was kind of fun.

So I want to talk about the three villains that I really do believe we should avoid when it comes to the world of financial industries.

Number one, the credit card industry.

Yeah, I'm calling them a villain. I am. It's no secret that I'm

against living with debt in general. But there are two ways specifically, two reasons why I think

the credit card industry is a villain. Number one, they will give a credit card to anyone.

They really don't vet you. They don't really consider your ability to manage debts.

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