In this episode, we sit down with Will Roundtree—financial strategist, author, and one of the earliest viral credit educators—to unpack why credit isn’t just a score, it’s a tool that can either tax our future or accelerate it. Will shares how rebuilding his own credit changed everything, from renting and buying a car to purchasing a home, and why “bad credit is brutally expensive.”

We break down the practical fundamentals that move scores: on-time payments, lowering revolving utilization, avoiding unnecessary inquiries, and knowing our real take-home number so we can assign dollars to the right obligations first. Then we zoom out to wealth-building: Will challenges the “never borrow” mindset and explains how debt becomes powerful only when it’s attached to an asset that can service the payment. Along the way, we talk failure, grit, and why learning the language of money changes the game.

Resources:

Learn more at The Color of Money
Follow Will Roundtree on Instagram: @MrWillRoundtree
Read Credit Is King by Will Roundtree
Read Full-Time CEO by Will Roundtree
Become a real estate agent HERE

Connect with Our Hosts

Emerick Peace:

Instagram: @theemerickpeace
Facebook: facebook.com/emerickpeace

Daniel Dixon:

Julia Lashay:

Bo Menkiti

Produced by NOVA

This podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

The Skeptics Guide #72 - Dec 6 2006