When you tap a credit card, where does the money actually come from?

Most kids assume it's money you already have. Most adults were never taught otherwise. And in this episode, Daniel asks the question out loud — and what he and Mom figure out together is one of the most practically useful things on the whole show.

Here's the first thing that surprises people. When you use a credit card, the money isn't yours. It's the bank's. The bank is lending it to you, right there, in that one tap. You're making a promise — I'll pay this back.

If you pay the full amount back on time, the bank charges you nothing. It's actually a remarkably good deal. You used someone else's money, gave it back, and it cost you nothing.

But if you don't pay it back on time, the bank starts adding borrowing charges. And every month you wait, another cha ...