{"podcast":{"title":"Yo Quiero Dinero","slug":"yo-quiero-dinero-245869","podcast_index_feed_id":245869,"rss_url":"https://feeds.acast.com/public/shows/61df3c8f051a2f001272041d","website_url":"https://yoquierodineropodcast.com","image_url":"https://assets.pippa.io/shows/61df3c8f051a2f001272041d/1744890191857-cad6e991-8108-4ead-87e0-73ffad831553.jpeg","author":"Jannese Torres","episode_count":386,"summary":"\"This podcast will leave you feeling inspired to take a more proactive approach to your savings, earnings, & expenses.\" - BuzzFeed | Yo Quiero Dinero is an award-winning personal finance podcast that empowers listeners on topics like entrepreneurship, investing, financial independence & money mindset. Hosted by Jannese Torres, Latina money expert, award-winning author and serial entrepreneur. Known as “the swaggiest personal finance podcast\", each week we drop episodes brimming with POC-friendly personal finance knowledge, served with sazón! Tune in for all the money lessons you never learned. Visit us at YoQuieroDineroPodcast.com . Hosted on Acast. See acast.com/privacy for more information.","last_synced_at":null,"page_url":"https://stenobird.com/podcast/yo-quiero-dinero-245869"},"episode":{"title":"Credit 101: How to Build Credit, Pay Down Debt, and Protect Your Score with Carol Pope","slug":"credit-101-how-to-build-credit-pay-down-debt-and-protect-your-score-with-carol-pope","published_at":"2026-05-11T04:00:00+00:00","page_url":"https://stenobird.com/podcast/yo-quiero-dinero-245869/credit-101-how-to-build-credit-pay-down-debt-and-protect-your-score-with-carol-pope","show_page_url":"https://stenobird.com/podcast/yo-quiero-dinero-245869","url":"https://yoquierodineropodcast.com/","audio_url":"https://sphinx.acast.com/p/open/s/61df3c8f051a2f001272041d/e/69faef0382781c7c45bfd8f1/media.mp3","summary":"If the word \"credit\" makes you want to hide under the covers, this episode is for you, mi gente. I'm sitting down with Carol Pope — personal finance writer and author of Credit 101 — to break down everything you need to know about building credit from scratch, paying down debt, and protecting your score. No shame, no judgment, just an honest conversation. Carol and I have almost identical money origin stories. Neither of us learned a damn thing about credit growing up. Now we're both on a mission to make sure you don't have to learn the hard way like we did. WE GET INTO: 00:02 — Intro + Jannese's credit origin story 01:58 — What Carol's book Credit 101 covers 02:17 — Carol's money story growing up 03:22 — The moment Carol realized she had to figure this out ASAP 05:04 — Cost of living + why this conversation is so timely 06:41 — What is a credit score and why does it matter? 07:59 — How your credit affects your job, apartment, utilities, and more 09:44 — The 5 factors of your credit score, broken down 12:29 — The myth: does carrying a balance help your credit? (Spoiler: no) 13:30 — Building credit from zero: secured credit cards explained 15:19 — Authorized users: pros, cons, and warnings 17:01 — How long does it realistically take to build good credit? 18:09 — Using credit cards as a lifeline vs. as a tool 22:07 — Buy Now Pay Later: what you actually need to know 24:33 — Already in credit card debt? Here's where to start 27:59 — Snowball vs. Avalanche: which debt payoff method wins? 29:05 — Balance transfers: when they work and when they don't 30:10 — The biggest auto loan financing mistakes people make 33:12 — Buy here, pay here car lots — what you need to know 35:22 — The 14-day rate shopping window that protects your credit 36:22 — Credit fraud: the most common sca…","meta_description":"If the word \"credit\" makes you want to hide under the covers, this episode is for you, mi gente. I'm sitting down with Carol Pope — personal finance write…","key_points":[],"chapters":[],"topics":[],"duration_seconds":3077,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/yo-quiero-dinero-245869/episodes/credit-101-how-to-build-credit-pay-down-debt-and-protect-your-score-with-carol-pope/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/yo-quiero-dinero-245869/credit-101-how-to-build-credit-pay-down-debt-and-protect-your-score-with-carol-pope.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}