Ep. 29 - Credit or Regret: How to Use Credit Cards Without Wrecking Your Wallet or Your Marriage

💳 Credit or Regret: How to Use Credit Cards Without Wrecking Your Wallet or Your Marriage | Dads, Deals & Dumbbells Ep. 29 🧾💥

Credit cards: tool or trap?
This week, Joe (the lawyer) and Dr. Quill (the chiro) are breaking down the good, bad, and financially ugly truths about credit cards — from business expenses and credit scores to those “mystery Amazon charges” that start marital cold wars. 🥶

Whether you're trying to build credit, dodge debt, or teach your kids not to treat Visa like Monopoly money — this episode is packed with practical tips and hard-won wisdom.

💥 In This Episode:
• The average American has 4 cards and $6,500+ in debt — here’s how to stay out of that trap
• The RIGHT way to separate business and personal spending
• How to keep credit cards from wrecking your marriage (aka: the Amazon Surprise Rule)
• What every entrepreneur dad should know about cashback vs. rewards cards
• Why teaching your kids about credit before they turn 18 could save them thousands

🔥 Joe’s Judgment of the Week:
Why opening a credit card at 18 can be a smart move — if they understand interest, statements, and what happens when the bill shows up. 💡

📊 Key Stats:

U.S. credit card debt hit $1.13 trillion in 2024

55% of couples argue most about money — especially credit spending

Most people don’t learn how credit works until it’s too late

👨‍👩‍👧‍👦 Best Dad Hacks for Credit & Communication:
• Use a weekly 10-minute “money check-in” with your partner
• Set up auto-pay minimums to avoid late fees
• Keep credit utilization under 30%
• Use mock credit systems at home to teach kids how debt works
• NEVER bring up spending stress at 9pm after bedtime 😅

✅ Takeaways:
• Credit cards are tools, not toys — use with intention
• Separate business and personal charges like your sanity depends on it
• Talk money before the blowup
• Teach your kids early — and save them years of debt mistakes

📲 If this hit home, help us out:
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💬 Drop a comment with your biggest credit win… or disaster story
🔁 Share this with a dad who just discovered he’s still paying for last Christmas

🎙️ Dads, Deals & Dumbbells — the podcast where fatherhood meets financial literacy, business hustle, and barbell therapy. Hosted by a chiropractor and a lawyer who’ve both maxed out a credit card and lived to lift another day.

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