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Most people understand the math.
Very few people can delay gratification.
I don’t find that at all. I get the a’ha moment all too often. They literally just were never taught how any of it worked. Takes maybe 5-10 min of telling someone how it works, how the credit score works and how to manipulate it, and how to use credit without letting it get away from them.
Removed by mod
I feel that’s not the same thing as Joe Plumber under standing he pays a 30% charge on the balance of his credit card.