Today on the show: Before we chat with Brooke about bad debt, we'll start the show with our "No Dumb Questions" segment. We want to make sure you have a good understanding of Overdraft Protection. CFP Erica Cummings from The Harmony Financial Group at RBC Wealth Management is here to explain the biggest misunderstandings people have. As a young adult, in her 20s Brooke Tallinger has her financial goals already figured out. She uses the Bad Debt is not an option as a motivator to keep herself (and husband) on track. Brooke shares with us how she manages her personal budget, how she got her husband to buy into her budgeting philosophies and what advice her parents gave her that will help other young adults who are starting their own financial independent lives. We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids "Is it ok to work for free?" Susan Beacham Founder of Money Savvy Generation has valuable advice for parents. How to explain and teach kids about the power of internships. Our Money Victory Shout Out goes to Rosalie Kline!!! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices