Your assignment for this week: Check your FICO score and add up your total credit card debt.

Suze: Your goal should be to have a FICO score of 720, 760 or higher. I want you to really tally up all the money you have on your credit cards. You need to face it to erase it. Also, make this year a year that you commit to having an 8-month emergency fund. Things go wrong, and you need money if that happens. So, make those little adjustments and this can be one of the greatest years of your life.

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