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The leftover for routine expenses? or do i want to buy a much more expensive plan? that's the type of -- those are the type of options that you'd have if you had a free market plan. and republicans have somehow found a way to take all of the hits that you'd have to take from repealing obamacare without having any of the benefits. it's absolutely insane. >> all right. washington examiner phillip clyne, thanks for the time. >> thank you. all right. on the other side of this break. a quick break from the political madness. time for march mansd. the ncaa tournament. the first game actually just ...

Ensure more people for cheaper -- insure more people for cheaper is to have higher deductible plans that cover fewer routine expenses, but prevent -- protect people against financial ruin in the case of major medical loss. but president trump and a lot of republicans have been attacking obamacare for having deduct that believe are too high. so it's totally incoherent. if you took a free market approach, you'd still have to fend off democratic attacks that people are going to lose coverage, but at least you'd have a hill to die on, which is to say, you know, you would be taking those hits, but ...

Month. you say that's not a good idea. why? >> well, the way i say it is you should use your credit card for convenience and to build those good credit references so that you can then invest in debt and get the best rate. use your credit card for expenses, routine expenses that you can pay in full and occasional special occasion like a vacation or holiday gift. but then pay it off quickly and then that builds your credit scores in the very best way to be so when you get ready to invest in a house or car or a small business loan, you'll get the very best rate. >> rick: for those whose scores ma...