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Credit utilization is one of the most important — and most misunderstood — parts of your credit score. In this episode of the Pink Money Podcast, Jerry Williams breaks down how credit utilization works, why it accounts for 30% of your credit score, and how even responsible borrowers can accidentall…
Teacher, meet your retirement superpowers. We unpack why 403(b) plans confuse so many people, what a 457(b) really is, and how the two can work together to help educators save more for retirement—without the jargon.
In this episode of Pink Money, Jerry Williams shares his surprising experience using ChatGPT as a financial planning tool. From creating a debt payoff strategy in seconds—comparing the “debt avalanche” vs. “debt snowball” methods—to suggesting investment options for as little as $60 a week, Jerry e…
Do you ever feel like your money is out of control? Host Jerry Williams dives into what being “terrible with money” really means—and how to fix it with a clear, step-by-step strategy. From setting realistic goals and creating a budget that works, to building an emergency cushion, paying down debt, …
In this episode of Pink Money Podcast, Jerry answers a listener’s question about how to remove a co-signer or joint owner from a car loan and title. He explains what banks look for before releasing the other party, including creditworthiness, payment history, and loan-to-value considerations. The d…
In this episode of the Pink Money Podcast, Jerry tackles the heavy burden of student loan debt—especially for those misled by predatory for-profit schools. He explains how the Borrower Defense to Repayment program can help cancel loans tied to fraud or deception, shares real-world stories of crushi…
In this episode of Pink Money Podcast, Jerry Williams welcomes back financial advisor Grace McLen to tackle one of the most important (and sometimes intimidating) money topics—credit. Together, they break down how credit scores are calculated, why checking your report regularly matters, and what to…