Kerry Lutz and Paul Oster discussed the prevalence of oversubscription and its impact on personal finances. They emphasized the importance of actively monitoring recurring charges and offered practical advice for consumers to take control of their subscriptions. The speakers also exposed the deceptive subscription practices employed by companies, making it arduous for consumers to cancel subscriptions. They urged consumers to actively monitor their bank and credit card statements, identifying and disputing unauthorized charges. The conversation also focused on the current state of consumer finances, highlighting the soaring credit card debt and high interest rates. Paul Oster provided valuable financial advice for consumers, stressing the importance of conducting an insurance protection audit to assess coverage and avoid overpaying for insurance. He also encouraged consumers to explore alternative health insurance options to effectively manage escalating healthcare costs. Additionally, Oster provided practical advice for managing household budgets and expenses, urging people to scrutinize their spending habits and seek opportunities for cost reduction. The speakers also discussed the significance of credit scores on daily financial decisions and encouraged individuals to focus on improving their credit and understanding the reasons behind low credit scores. Find Paul here: BetterQualified.com Find Kerry here: FSN and here: inflation.cafe