Berna is back to bring us some knowledge on the concept of credit and all that goes with it. She starts off with a little background on her own experiences with credit and is then joined by Kitty & Piggy from Bitches Get Riches to break down all the nuts and bolts of the topic. They get into credit scores, credit cards, interest, and everything in between and discuss how the system is stacked against us and what we can do to make the best of the situation. After that, Berna answers some of your DM's in the Make It Make Cents segment, sharing some tips and tricks on credit. Make sure to follow us @whenshappyhr to send in your questions!