There’s a big difference between a charge card and a credit card! A charge card (like American Express) requires you to pay the full balance every month, while a credit card lets you carry a balance—with interest. In this case, the daughter thinks a credit card is free money, but the mother knows better. This is exactly why financial literacy is the civil rights issue of our generation. It might be just as important as a four-year degree! If your day isn’t about God or love, it’s about money—so

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