Happy New Years Family! To start my new years off right, I decided to pay off one of my federal student loans today and be one step closer to becoming completely debt free. This is part 4 of a 6 episode series of by debt free journey and I am glad I have the opportunity to share it with you all.

If this is your first time listening, welcome to The Brother Next Door Podcast where we have conversations about finance, personal development, and skills to get young adults further in life. We cover these topics by sharing our own personal experiences and bringing people on to the show to provide different points of view. Then at the end of each episode, we will give an overview of what we went over and the steps you can take in order to be in a better position in your young adult journey. IG: Podcast: @brothernextdoorpodcast Latrell: @latrell.carter--- Support this podcast: https://podcasters.spotify.com/pod/show/brothernextdoor/support

In this episode of The Brother Next Door, I go line by line, breaking down the entire cost of two semesters at The University of North Texas. I walk you through my most expensive semester and my least expensive semester. I also talk about whether or not college was worth it, how much I paid in total, and how much student loan debt I have left to pay off.

In this episode of The Brother Next Door, I go over the basics of credit cards starting with all the terms associated with them. Then I go over how to read a credit card statement and show you what a billing cycle looks like on a calendar for visual reference. Bad debt is debt that makes you poorer. I count the mortgage on my home as bad debt, because I'm the one paying on it. Other forms of bad debt are car payments, credit card balances, or other consumer loans.-Robert KiyosakiIf this is your first time listening, welcome to The Brother Next Door Podcast where we have conversations about finance, personal development, and skills to get young adults further in life. We cover these topics by sharing our own personal experiences and bringing people on to the show to provide different points of view. Then at the end of each episode, we will give an overview of what we went over and the steps you can take in order to be in a better position in your young adult journey. IG: Podcast: @brothernextdoorpodcast Latrell: @latrell.carter