This Episode provide a multi-faceted view of personal finance topics, focusing on the risks and requirements of working without formal employment documentation and the critical importance of credit visibility and score building. Several Canadian sources discuss the dangers of being paid "under the table," emphasizing that individuals must report all income as self-employed to avoid tax evasion penalties, while noting the loss of benefits like Employment Insurance (EI) and Canada Pension Plan (CPP). Complementary financial guidance from US sources highlights how a lack of credit history—a status disproportionately affecting marginalized groups—can be mitigated through alternative data and credit-builder tools like credit-builder loans and rent reporting to improve credit scores an ...