In this "Lessons" episode, Marcus Barney, financial education expert, breaks down the hidden rules of credit and how to use them to build real wealth. He explains how the credit system is designed to benefit banks—not consumers—and why miseducation and conflicting advice keep people trapped in debt. Marcus shares how understanding and strategically using credit in business can help founders grow without giving up equity, and why financial literacy—especially around budgeting and money relationships—should be taught before credit access, not after.