Forty-four percent of American households have credit card debt. Credit cards can provide a platform to establish credit history, make large purchases, or treat ourselves to a vacation or spa day.  Some people, however, use credit cards merely to stay afloat while they look for ways to increase their income. Credit cards are also incredibly profitable products for banks, with $12 Billion in late fees adding to that profit.   Tally is the world’s first automated debt manager that makes it easy to save money, manage your credit cards, and pay down balances faster.  Tally sees the future of personal finance as completely automated, powered by robo-advisors that will not only pay your bills for you, but will also make recommendations on how to best make your money work for you to help you achieve your financial goals.   Tally offers a credit card manager, debt manager, late fee protection, and a line of credit. With Tally, consumers still use credit cards for rewards, but without the stress of payments, late fees and penalties.  Tally works on behalf of the consumer, and doesn’t make money unless it saves the consumer money. Tally may sound like Yet Another FinTech App, but it has been featured in Forbes, Business Insider, and Mashable, and has raised $42 million. In this episode, Jason Brown, the CEO of Tally, joins me for a conversation about Tally, the  future of automated personal finance, and financial literacy. Show Notes Credit card manager Tally Advisor