Some things I know for sure, Americans love cars. And when we buy a car most of us out there are buying more than just the car. We are also buying a payment. Based upon your credit score, that payment can vary drastically, sometimes by hundred of dollars. I can hear my mom saying -- never let your credit score get under 800. Those best practices alone have saved me thousands of dollars over the years. And a ton of grief from my mom.  Today on the show is Nicholas Hinrichsen. Along with his partner Chris Coleman, they started -- WithClutch -- helping Americans with challenged credit finance their cars without the element of the nagging mom.   Connect with Nicholas Hinrichsen: Website: https://www.withclutch.com/ LinkedIn: https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/   https://www.withclutch.com/post/24-best-auto-loan-refinancing-lenders-of-august-2020   Check out the Auto Loan Refinance Calculator     Nice Sponsors: Get your FREE Training on how to create lasting wealth through real estate investing from Paul Tompkins and Flipping Experts: https://flippinexperts.mykajabi.com/Beginners%20Guide%20to%20Fix%20&%20Flips   How to Make Money, Grow Your Tribe, and Build Influencing Podcasting (Doug and Strick will be hosting the Masterclass) https://djdoug--turnkeypodcast.thrivecart.com/register/   Get your free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Check out the "Entrepreneur’s Toolkit" Giveaway   Check out Headliner to create social media posts with video easily- make.headliner.app   Simplecast is the easiest way to set up your podcast hosting- Simplecast.com   Zoom is the easiest way to schedule meetings and record your podcast interviews- Zoom.us   Acuity is the easiest way to schedule your podcast interviews, meetings, and life. Acuityscheduling.com   See how The Nice Guys want to make your life easier? You can thank us later.   Reach The Nice Guys Here:  Doug- @DJDoug  Strickland- @NiceGuyonBiz    Nice Important Links:   Subscribe to the Podcast  website: Niceguysonbusiness.com  Book Doug and/or Strick as a speaker at your upcoming event.  Doug's Amazon #1 Best selling book Nice Guys Finish First.     Partner Links:  Amazon.com: Click before buying anything. Help support the podcast.  Acuity Scheduling: Stop wasting time going back and forth scheduling appointments Simply the best VO guy in the business- https://steveobrienvo.com/   TurnKey Podcast Productions Important Links: The Ultimate Podcast Launch Formula  www.turnkeypodcast.com/ultimatelaunchformula  FREE workshop on how to "Be A Great Guest." Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift     No time to get to this, but you can read the blog here: 12 worries that every entrepreneur has   Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.