The most surprising story -- not politics -- twenty somethings say they get the "ick" when it comes to credit cards -- and they prefer to spend the money they have sitting in their checking accounts for purchases....Gen Z is seeing credit as a liability and not an asset. KSL Investigative Reporter Matt Gephart joins Dave and Debbie to discuss why Gen Z is steering away from credit cards and the pros and cons of credit and debit cards. Certified Financial Planner with DMBA, Shane Stewart joins the show to discuss some of the ways you can build credit without using a credit card.