[MUSIC PLAYING] JESS SIMS: Credit cards. I feel like I was one of those kids growing up that I was just a do-good kid. Everything-- I wanted to listen well and put everything into practice. But credit cards always scared me because everyone said, oh, be careful of debt, be careful of debt. 

But now, I feel like that's one of the main things where, if you get a great credit card with a low interest rate and you pay it off monthly, you get all these points and all these perks. And so I'm like, wow, I wish that I wasn't so afraid of credit cards. Because I feel like there were years of my life that I could have been using credit cards responsibly. So I think credit cards for sure was something that was super scary for me. 

NAPHEESA COLLIER: I definitely agree. The credit card thing, too-- it's like you have to build credit, but you can't get in debt. And it's just such a fine line that I felt like for so long, too, I just didn't do it because I was so scared of, you don't want to get in credit card debt. 

They're like, never use a credit card. Only use a debit card. And now it's kind of like the opposite. You need to use your credit card, so you can pay it off to get credit to build that generational wealth, so you can get other things in life. 

JESS SIMS: Exactly. And that's where the discipline comes in. It's like, of course, you get a credit card with a $10,000 spending limit. You obviously shouldn't go out and spend the $10,000. But if you learn that discipline and you practice that, OK, spend a little bit this month, pay it off, spend a little bit this month, pay it off-- exactly. You get so many points and benefits. 

NAPHEESA COLLIER: Yeah, absolutely.