# #524 Reza Rahman: Can 100 credit points beat a raise?

Page: https://stenobird.com/podcast/21st-century-entrepreneurship-6829325/524-reza-rahman-can-100-credit-points-beat-a-raise
Text version: https://stenobird.com/podcast/21st-century-entrepreneurship-6829325/524-reza-rahman-can-100-credit-points-beat-a-raise.md
Podcast: [21st Century Entrepreneurship](https://stenobird.com/podcast/21st-century-entrepreneurship-6829325)
Published: 2026-07-01T13:00:00+00:00
Episode link: https://dts.podtrac.com/redirect.mp3/www.buzzsprout.com/2328218/episodes/19430554-524-reza-rahman-can-100-credit-points-beat-a-raise.mp3
Audio file: https://dts.podtrac.com/redirect.mp3/www.buzzsprout.com/2328218/episodes/19430554-524-reza-rahman-can-100-credit-points-beat-a-raise.mp3
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JSON: https://stenobird.com/v1/public/podcasts/21st-century-entrepreneurship-6829325/episodes/524-reza-rahman-can-100-credit-points-beat-a-raise
Duration seconds: 1354

## Resource

Reza Rahman is the co-founder of AVA Finance, and we spoke about why so many American households are drowning in debt, financial stress, and credit confusion. He started the company six years ago with two co-founders after seeing two problems: consumer debt growing toward $18 trillion, and a financial system that “was not built for humans.” The turning point was recognizing that most people are expected to manage credit, interest, cash flow, fees, and debt without the tools that businesses ta...

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## Transcript

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