Brought to you by the EveryDollar app, start budgeting for free today. Google Trends recently reported in the U.S. how to lower credit card debt in quotes reached an all-time high as a search item. For those who don't know, Google Trends is part of the Google reports what people are searching for. There it is. Okay, so what this means is that more people than ever before, well, since Google, not ever, but since Google are searching for how to lower credit card debt. That makes sense in 2024. We now know that credit card debt has gone over a trillion with a $T. So how do you pay off your credit cards fast? What do you do? Well, this is what we've been doing. As a matter of fact, if you like Google Dave Ramsey, the first thing you're going to hear is how to get out of debt, right, John? I mean, it's like they may not know how to do anything else, but they know I know how to do that, right? On your license plate. It actually is. It's a zero debt on my license plate, on a very nice car. And so, but that's because the car doesn't have debt. That was the message because you can't drive a car like that unless you have debt, everybody knows that, but you can't drive a car like that if you got debt and I mean, so here's an interesting thing. Here's something for you to think about folks. We live in the most marketed to society culture in the history of mankind. In the United States of America, you receive more marketing impressions across your eyes and ears in a given day, more money is spent, more brain power and sophistication is spent to sell you things than any group of humans in the history of mankind ever at this moment. Marketing selling things to you and ads and Google pop-ups or whatever, whatever it is you want to do, whatever add, whatever version of advertising or marketing you want to think about, you get a diet out there of that that's greater than man has ever gotten. Anytime in history, no one has ever walked the earth that has been hammered like you've been hammered by marketing. That's a pretty bold and big statement, but it's also true. It's not hard to figure it out that that's the truth. And here's what's interesting. Among all of that, the most dollars that are spent to sell a single product line more than any other product line, any other mindset, any other thing you want to sell, any other brand you want to sell out there, the most advertised and marketed product in dollars and in brain power by far in the most marketed to culture in the history of mankind is debt. More money is spent to sell you on getting in debt in the most marketed to culture in the history. This is not, this is a big deal. In other words, when you add up what MasterCard, American Express Discover and Visa spend in a year, it's more than all the professional sports make in a year. It's more than Egypt takes in for their entire economy in a year just to sell you those four pieces of plastic and they are good at it. The things just magically show up in your mailbox, your inbox, your dead dog for four years ago will be issued its own line of credit and it'll show up in a credit card on your mailbox. Through through the dead poodle will get a credit card in America today. I've got it. I've got a copy of Through Through the Dead Poodle's Dog. A guy sent it to me from New Orleans. He says, I actually, and a guy in North Carolina applied with a fraudulent social security number under the name Buck Naked and was issued a $20,000 line on a Visa card because they don't even look. They don't even check your credit on about, but about one out of 10 of the applications. And so they issue these pieces of plastic like water going down a drain and you're walking around like, I'm somebody because they, you're not somebody. You don't even necessarily breathe for you to get a credit card. You don't even necessarily have to be a breathing human to get a credit card. I've just proven that to you. These are not made up stories. It's the most aggressively marketed product in America today. And people are walking around going, I'm, I have, I have a, I have a platinum titanium. It's a plastic version of a precious note, plutonium American Express card that you can't even cut up because it's made from plutonium. Dave, can I tell you something embarrassing in college when I got out and I had to loan debt and I was broke. Oh, I did. And no, I did. I got a gold. I got a gold MX. I got a card. I'm not lying to you. I called the number on the back and said, I need to talk to an account executive. They sent me through. I told her, thank you. I, I thanked her for taking a chance on me. And she was like, you know, we just felt like it. And I was like, Hey, I, I, I, it's pretty awesome. And she's recording the call. They're playing it back the next morning and sailing meeting right now, the planet right now. They're like, see, we're doing a service. I thanked her, man. So what we teach people is, here's Wells Fargo bank have plastic surgery. Don't fall for this. You are a sucker to the man. You're a sucker to the largest marketing machine ever known to man. What's in your wallet, money. That's what's in my wallet, money, because I don't have this crap in my wallet. I don't have to go to the chiropractor because there's 73 credit cards in my wallet. And I sit sideways every day with my back pocket, you know, and my, so my back's out of alignment of actually found people that did that. They, they're, they're back heels that George Costanza wallet. Yeah. When they got rid of this, so plastic surgery, having a plastic to me will change your life. Dave, you don't have any credit cards? I don't have any credit cards. I don't have any credit cards for 40 years. How do you? Well, by the way, I just got back for, I took a little tour from London to Iceland and I just got back day before yesterday. And you know what? I have a credit card. It was amazing. You know what? debit cards, just like credit cards, they had no difference. And did the currency exchange, did the whole thing. And I actually had, you know, a big old water cash in my pocket, because I always care, because American dollars are taking almost everywhere. It's amazing. They find a way to take them, you know, if you go, you know, you can go in the poorest country in the world and they'll go, yeah, I'll take that. But very few times, you know, I found a few people that snooted me and said, you need a Euro, sometimes in Europe, but most of the time you just walk around with a dollar. But I mean everywhere I was, they took plastic and so I obviously had no issue and I just dropped my little debit card in there and four pieces of plastic in my wallet, a debit card on my business, a debit card on my personal account, my driver's license and my hand gun carry permit. That's all that's in my wallet other than green president's faces and lots of those of different kinds, by the way, I like to click different colors or different, different faces on there. Yeah. Guys, don't fall for this crap and don't tell me your debit card is not safe. It's got the exact same fraud protection, exact same fraud protection as your credit card. Go look it up on Visa.com. It's called a zero liability policy. Look it up on mastercard.com. They both have the exact same phrasing on their websites like they were owned by each other or something, but the debit card's got the exact same stuff. Listen, shut up. You're not going to get rich borrowing money at 18%. It's just straight up stupid on a string, okay? You've got to make a decision. I'm not going to live like this and these people, they're stupid, man. They just keep doing it. Look at this one. New Wells Fargo credit card program with a novel feature. You can use it to pay your rent, but it may not be working out quite as well as the bank at Hope. Wells Fargo is losing as much as $10 million a month on this new card. So you're telling me people that pay rent with their credit cards, a credit card that was designed to help them pay rent that they couldn't afford. Oh, wait, you show your loan money to broke people in your bitchin' because they don't pay it. Shut up, Wells Fargo. You're getting what you deserve. You signed up for this trip. Guys, boys and girls, really, you got to decide. Are you going to be like everybody else? Everybody else are walking around collecting airline miles. Millionaires, they stack cash. 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