In this episode, the hosts discuss the topic of credit scores, starting with how they are calculated and the five main drivers that influence them. They also share their own experiences of how understanding credit helped them build an 8-figure empire. The conversation covers various topics such as good and bad credit, buying a home, the car loan industry, school loans, starting a business, dating with credit, and schools failing to teach finance. The hosts then dive deeper into the five main factors that affect credit scores: payment history, credit utilization, credit age, loans, cards, mortgages, etc., and new accounts/inquiries. Finally, the episode wraps up with a brief discussion on the Superbowl. The hosts believe that by applying the credit secrets they've shared, listeners can keep their credit score high for the rest of their lives.