 To connect with a SmartVestor Pro in your area and get confident about your investing plan, go to RamseySolutions.com slash SmartVestor. Again, RamseySolutions.com slash SmartVestor. Ramsey Solutions is a paid, non-client promoter of participating pros. Learn more at RamseySolutions.com slash SmartVestor. Hey guys, George Campbell here. Listen, if you think student loans and credit cards and credit scores are meant to help you get ahead, you're what's known as wrong.