Credit Utilization Explained: The 1% to 9% Credit Score Sweet Spot

Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur In this episode of Becoming Financially Confident , Ralph Estep Jr. explains Why parents should put a simple written agreement in place before an adult child moves back home College freshman money skills: Needs versus wants, compound growth, and responsible credit card use. Medicaid family caregiver programs: How family caregiver pay may work in some states and why approved hours, paperwork, and state oversight matter. Credit utilization: What your credit utilization ratio means, why it matters, and strategies discussed for lowering it. Have a money question for Ralph? Send it to: https://www.becomingfinanciallyconfident.com/voicemail Watch Becoming Financially Confident live every weekday at 11:30 AM Eastern: https://www.becomingfinanciallyconfident.com/live LINKS MENTIONED Win Ralph's Money: https://www.becomingfinanciallyconfident.com/giveaway LawDepot: https://www.becomingfinanciallyconfident.com/lawdepot Stamps.com: https://www.becomingfinanciallyconfident.com/stamps WalletHub: https://www.becomingfinanciallyconfident.com/wallet IRS Tax Withholding Estimator: https://www.irs.gov/w4app FOLLOW BECOMING FINANCIALLY CONFIDENT LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556