“Linked to the credit card is ownership of your credit score.

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They say it’s impolite to talk about money, but it’s what Su Chin talks about a LOT now—on her new podcast and with us.

She has some seriously sage advice about what to do with your hard earned dolla dolla bills. [Related: 10 Millennial Spending Confessions You Can Definitely Relate To] “The subject of money, when I really sat down and thought about it, it is at the center of who I am and I think a lot of people would agree with that,” Su Chin tells us.

star Josh Hutcherson and Elizabeth Banks during the 2012 MTV Movie Awards on Sunday, MTV News correspondent Sway announced the exciting news.

"Also, we want to say congratulations to Su Chin Pak who just had a baby boy," he said. " PHOTOS: Nude, pregnant celebs This is the first child for Pak, 35, who joined MTV News as a correspondent in May 2001.

“That was the most expensive, cheapest car ever bought from that dealership,” she says with a laugh.

“From that point on, I’ve always used the credit card like a bank card, meaning I never spend on my credit what I can’t cover in my checking account.” [Related: 5 Savings Mistakes You Should Avoid Right Now] Since then, Su Chin has gone on to carve out an impressive career for herself, gotten married and had kids.

Let's face it: feeling good about yourself is sometimes not always easy.

Maybe it's just a bad day you're having, but most likely, everyone reading this feels awkward or has low self-esteem at least once in a while.

She did what a lot of us did—opened up her freshmen welcome packet, listened to one of those flyers encouraging her to get a credit card and signed up.

Then she bought a car with it—a debt she ended up carrying around for 15 years.

To most, she seemed to be living the dream, but in reality, Su Chin couldn’t even rent an apartment in New York City on her own.