Please note: This is a companion version & not the original book. Sample Book Insights: #1 My mom was my college advisor, and she was excited for me to go to Harvard. She had worked hard to make sure I was enrolled in good schools with the resources that matched my potential. She had shown up to countless parent-teacher conferences and advocated for me when racist policies might have otherwise jeopardized my future. #2 The average American household is in debt. Like the sharecroppers of old, we are tethered to our jobs, struggling to make ends meet while making all of these debt payments. This prevents us from doing many things, like taking jobs we want or going on vacation. #3 The credit card companies are constantly seeking out new customers to sign up, and the system is rigged to make the credit card providers rich. #4 The credit card industry is new in the history of consumer financial instruments. It wasn't long ago that you had to save up and pay cash if you wanted to buy something. With the introduction of credit cards, people could take what they wanted home immediately while making payments over time.