In this episode of PennyWise, host John Kiernan is joined by Dr. Luke Erickson, a Personal Finance Extension Specialist at the University of Idaho and President of the Idaho Financial Literacy Coalition. John and Dr. Erickson discuss some underrated ways people can build credit history, along with some common misconceptions about the credit building process and the real-world value of having a good credit score.

More on this episode from WalletHub:

• How to Build Credit
• Best Credit Cards for Building Credit
• WalletHub Rent Reporting
• WalletHub Phone & Utility Reporting
• Free Credit Score, Updated Daily

If you want to take your finances to the next level, sign up for a WalletHub Premium subscription. You can get a personalized debt repayment plan, along with budgeting tools, credit-improvement help, identity protection and more.

In this episode of PennyWise, host John Kiernan and guest Brett House, a Professor of Economics at Columbia Business School, talk about how a 10% cap on credit card interest rates would affect consumers and the economy. John and Brett discuss the winners and losers of a 10% rate cap, along with other ways to address affordability concerns.

More on this episode from WalletHub:

• Credit Card Landscape Report
• Best Credit Card Rates
• Best 0% APR Credit Cards
• Best Balance Transfer Credit Cards
• Credit Card Payoff Calculator
• What Is a Good APR for a Credit Card?
• Historical Credit Card Interest Rates

If you want to take your finances to the next level, sign up for a WalletHub Premium subscription. You can get a personalized debt repayment plan, along with budgeting tools, credit-improvement help, identity protection and more.

In this episode of PennyWise, host John Kiernan and guest Lauren Weatherford, an associate professor at West Virginia University Extension, talk about how to get through Valentine’s Day without overspending…or putting your relationship in jeopardy. John and Lauren discuss the best ways to celebrate on a budget, how to cost-effectively impress your significant other, and major mistakes to avoid. If you have love in your life but not enough money to go around, this V-Day edition of Pennywise is for you!

More on this episode from WalletHub:

• Best Credit Cards of 2026

• Valentine’s Day Spending Survey

• Best Jewelry Store Credit Cards

• Valentine’s Day Facts

• Best Places to Celebrate Valentine’s Day

• Free Gift Ideas

You could also give your Valentine a WalletHub Premium subscription this V-Day. After all, things like budgeting tools, credit-improvement help, and identity protection are gifts that keep on giving.