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foreign [Applause] all right guys welcome back this is an extremely important episode so um you know its been a while since we uh talked about um personal credit um shout out to him 500 that was a that was a dope classic episode that was a lot of exotic stuff um and hes hes very good at that the legend himself nice high-end its a lot of anxiety stuff but um you know we we had one uh basic credit episode and outside of that thats the only Credit in a minute that we had and that was over a year ago and um so now I think it would be a good time to revisit the conversation of you know personal credit how to purchase real estate with credit how to student loans and um you know business credit things of this these Natures like its like unknown territory yeah you cant have a financial literacy uh platform without fully addressing credit and its like even stock like think about Market Mondays we talk about stocks every single week and its still not enough for people like you know wha