Credit card debt is at a record high. If you’re struggling to pay down your balance, you’re not alone — and we’ve got an expert in the house to help. Personal finance reporter Jennifer Streaks joins us to share everything you need to know about credit cards, how to use them responsibly, and what you can do to pay off your debt as quickly as possible. We also discuss tips for building and maintaining great credit. In Mailbag, we answer questions about transitioning to Medicare and HSAs versus FSAs. In Thrive, easy food swaps to save money during inflation.