Credit Utilization Explained: The 1% to 9% Credit Score Sweet Spot

Becoming Financially Confident · Sep 30, 2026 · 59m

Hosts: Ralph Estep Jr., LPA & Juliet, first-time entrepreneur

In this episode of Becoming Financially Confident, Ralph Estep Jr. explains

Why parents should put a simple written agreement in place before an adult child moves back home

College freshman money skills: Needs versus wants, compound growth, and responsible credit card use.

Medicaid family caregiver programs: How family caregiver pay may work in some states and why approved hours, paperwork, and state oversight matter.

Credit utilization: What your credit utilization ratio means, why it matters, and strategies discussed for lowering…