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You're listening to LifeKit from NPR.

Hey everybody, it's Marielle.

I saw this meme one time that said, how is it that we were born onto a planet that has everything we need to survive?

And I ended up with a credit score.

Fair point, right?

What we're about to get into, credit cards and credit scores, it feels overly complicated.

And it also feels like a game, one that you might rather not play.