Give Me Credit Episode 19

This week’s Give Me Credit episode is our Christmas and Holiday Edition, and it’s a little different by design.We start with a brief introduction to John Mackey’s upcoming Debt Collection course launching in January, including why debt collection is one of the most misunderstood and consequential parts of the credit system, and why education works better than fear.Then the conversation shifts.John and J.S. Whaldo reflect on Christmas past, growing up, early adulthood, and the ways money or the lack of it shaped their holiday experiences. From modest celebrations to moments that stuck, it becomes a reminder that family, resilience, and perspective mattered far more than anything under the tree.This episode is not advice-driven. It’s about context. About remembering where you came from. And about recognizing that credit and debt are not abstract systems. They touch real lives and real memories.A quiet, reflective holiday conversation.Right on time.Wishing you a peaceful Christmas and a thoughtful start to the New Year. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe