Credit Utilization Episodes
269
Sept. 30, 2026
Credit Utilization Explained: The 1% to 9% Credit Score Sweet Spot
Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur In this episode of Becoming Financially Confident, Ralph Estep Jr. explains Why parents should put a simple written agreement in place before an adult child moves back home College freshman money skills: Needs versus wants, compound growth, and responsible credit card use. Medicaid family caregiver programs: How family caregiver pay may work in some states and why approved hours, paperwork, and state oversight matter. ...