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February 12, 2018

How to Build Your Credit Without a Credit Card – with Whitney Hansen


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Without the right discipline, credit cards can cripple our ability to build our cash savings, our retirement savings and our overall wealth. It's so easy to swipe that little piece of plastic without even thinking twice about how much money we actually have in our checking account.

My guest today, Whitney Hansen, has developed a business that helps people battle the temptations of the all-powerful credit card. After becoming completely debt free early in her life, she now supports others in doing the same.  For most people, that journey to debt freedom starts with their relationship with credit.

What are we covering today?

Whitney and I discuss:

  • The strategies she used to pay off $30,000 of debt in 10 months
  • How we can all be credit card free and still live happy lives
  • Why you don't need to rely on constant credit card use to build your credit

This self-described “money nerd” has personally coached over 400 people to rid themselves of debt and learn to control their money. Let's get inspired by Whitney today and take our wealth to the next level.


Build your credit score without a credit card

 About Our Guest:  Whitney Hansen

Whitney Hansen
Whitney Hansen, Money Coach

Whitney Hansen is a personal finance coach and host of The Money Nerds Podcast. She teaches overwhelmed millennials how to pay off debt and be financially independent. She gives them the tools to have more fun with money while sprinkling in a little silliness. Some of her accomplishments are paying off $30,000 in 10 months, buying her first home at 19, and paying $472 for her master's degree.

 Money Master of the Week

Congratulations to Erik from Minnesota who made over $100,000 in income last year at the age of 25! He's prided himself in growing and diversifying his income ever since he graduated from college a few years ago. 

Through providing value and having a servant mindset, Erik has increased his salary at work by 40% over the past few years. In 2017, Erik made over $13,000 in rental income and over $5,000 in side consulting work to boost his overall income. Diversification of income is key for Erik!

Erik from Minnesota is our Money Master of the Week!

You can learn more about Erik and his wealth building success at The Mastermind Within.

If you have a financial victory you want to share on this show, please leave me a voicemail (or email) and include the following: name, location, your big win, how you did it and your plans for the future.

Your story will inspire others to save more, make more and plan for their family’s future.

Show Resources


Student Loan Hero

FEATURED ARTICLE: 6 Best Banks to Refinance and Consolidate Student Loans in 2018

Whitney Hansen’S RESOURCES


Recommended Book:  Automatic Millionaire by David Bach

Recommended Book:  Power of Habit by Charles Duhigg


Young Family Wealth Playbook

Support this Show

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I truly appreciate the support everyone!


I’d love to hear from you!

If you’d like your question featured on the show, reach out and let me know. It would be my honor to support you in your journey toward financial freedom.

Leave me a voicemail or connect with me on TwitterFacebook or shoot me an email.

Carpe Diem Quote

“Never spend your money before you’ve earned it.”

– Thomas Jefferson

What is your relationship with credit cards?

Please me know in the comments section below!

Andy Hill

Andy Hill, AFC® is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping families build wealth and happiness. With millions of podcast downloads and video views, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world. When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing on his hammock.


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Marriage Kids and Money Podcast

About Marriage Kids & Money

The Marriage Kids and Money Podcast is dedicated to helping young families build wealth and happiness.

With over 400 episodes and counting, we share interviews with wealthy families, award-winning authors, and personal finance experts to help you find your version of family financial independence.

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