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Curious + slightly shocking tone) “Paying ONLY the minimum on your credit card? 😳 That’s exactly how banks make you poor.” 💣 Pattern Break (3–5 sec) (Music CUT for 0.5 sec, then beat drop) (More intense tone) “Seriously… this one mistake can cost you THOUSANDS.” 📊 Value (5–25 sec) (Background music: Light financial/dramatic beat) (Clear, storytelling tone) “Let’s say you owe $1,000. Minimum payment? Maybe just $25.” (Pause 0.5 sec) “Sounds easy, right? WRONG.” (Stronger tone) “Because