In Episode 8 of Sink or SWIN, Danielle Burfield, SWIN’s Account Manager from True Fit Marketing, sits down with Scott Swinchock for a candid and insightful conversation about the everyday financial traps that hold people back and the simple strategies that can change everything.

From why the government limits Roth IRA contributions to the harsh reality of credit card interest, Danielle and Scott break down the money myths you’ve been told and show how small shifts can lead to big wins. They tackle the 10% retirement rule, explain why time in the market always beats timing the market, and even unpack whether a mortgage or credit card debt should take priority.

You’ll also hear quick, actionable tips on saving faster with the 50/30/20 rule, using balance transfers wisely, and why the best gift you can give your kids isn’t another toy—it’s an investment in their future. With their mix of humor, honesty, and hard truths, Danielle and Scott make finance feel less like a lecture and more like a conversation you’ll actually want to keep having.

Whether you’re new to money management or looking to sharpen your financial edge, this episode will leave you with practical strategies, eye-opening insights, and a little extra motivation to start building wealth today.