balance someone said that they they were told that carrying a balance each month is what you should do because it shows that you're being responsible no you don't have to do anything yeah and also there's no you can pay your credit card whenever you need to also because this same this i believe the same person said that they had thought that there was some kind of penalty if you pay early or anything you can pay whenever you damn well please you don't have to carry a balance yeah you can rack up you can put NUMBER_TOKEN NUMBER_TOKEN on your credit card today pay it off in its entirety tomorrow and they're not going to care the carrying the balance thing is a weird that was one that i heard when i was like trying to build back up a couple people had said oh run a balance for a little while and then pay it off in my head i was like why unless you have an interest-free credit card that isn't charging you interest for whatever reason it's an intro offer or whatever also watch out for those because any kind of offer there is going to be fine print where like for example interest free things they still do require a minimum payment of something each month you can't just sit there and not pay anything for the entirety of the offer you have to still right but as you have that balance they're not charging you more for having a balancing your card so like for example one thing that i recently took advantage of emil likes to make fun of me for this because uh i like going to the bank and i was recently paid for something and they were they gave me the choice of direct deposit or check and i said i want to check yeah which i thought was crazy why and then i asked you why uh-huh and you said i like having something to do yeah i like having something to do i like having some place to go it's a nice errand you're not NUMBER_TOKEN but yeah but i do i do sometimes sometimes in the life man you just need something to do you're a man in his NUMBER_TOKENs you're a man about town i like filling out that i don't really like it that much but it's a nice exercise in in maintaining your memory too because i'm like what's my account number again oh yeah i know NUMBER_TOKEN-NUMBER_TOKEN-NUMBER_TOKEN i could rattle mine off right now i know it yeah good for you hey guys we're going to take a quick break to thank the sponsor of today's episode nordvpn why do you need a vpn a good vpn service provides you a secure encrypted tunnel for online traffic to flow nobody can see through the tunnel get their hands on your online data or find your real ip address and location when i'm using all different kinds of wi-fi and stuff i love my vpn yeah you don't want to be at starbucks and have some some jerk looking heroes yeah checking out your stuff documents posting your nudes on my bank statements get the heck out of here nordvpn is the best vpn if you're looking for peace of mind when on public wi-fi securely access personal information or work files encrypt your internet connection and keep your browsing history and online identity private you know i've been traveling yeah i've been everywhere man and you know what happens when you go places you gotta
START_SPONSOR_TOKEN hey guys we're going to take a quick break to thank the sponsor of today's episode nordvpn why do you need a vpn a good vpn service provides you a secure encrypted tunnel for online traffic to flow nobody can see through the tunnel get their hands on your online data or find your real ip address and location when i'm using all different kinds of wi-fi and stuff i love my vpn yeah you don't want to be at starbucks and have some some jerk looking heroes yeah checking out your stuff documents posting your nudes on my bank statements get the heck out of here nordvpn is the best vpn if you're looking for peace of mind when on public wi-fi securely access personal information or work files encrypt your internet connection and keep your browsing history and online identity private you know i've been traveling yeah i've been everywhere man and you know what happens when you go places you gotta END_SPONSOR_TOKEN