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    <title>They Keep You Broke Investigations</title>
    <link>https://theykeepyoubroke.com/episodes/</link>
    <description>Evidence-led investigations and practical next moves for working people living under financial pressure.</description>
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    <lastBuildDate>Wed, 02 Sep 2026 17:21:30 GMT</lastBuildDate>
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      <title>Your Credit Score Is Not Grading You. It Is Pricing You.</title>
      <link>https://theykeepyoubroke.com/credit-score/</link>
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      <pubDate>Fri, 28 Aug 2026 00:00:00 GMT</pubDate>
      <category>Credit and pricing</category>
      <description><![CDATA[A score that looks like a grade can change the price of housing, insurance, and borrowing. Next move: Pull all three reports, check the information underneath the score, and dispute errors before a major application.]]></description>
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      <title>The IRS Already Has Most of Your Numbers. Why Are You Retyping Them?</title>
      <link>https://theykeepyoubroke.com/irs-answer-key/</link>
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      <pubDate>Fri, 28 Aug 2026 00:00:00 GMT</pubDate>
      <category>Taxes</category>
      <description><![CDATA[Employers, banks, and brokers already send many figures to the IRS, yet the filer still carries the paperwork burden. Next move: Start at the official IRS website, check current Free File eligibility, and request a wage and income transcript when needed.]]></description>
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      <title>Why They Keep Building Apartments You Cannot Afford</title>
      <link>https://theykeepyoubroke.com/empty-apartments/</link>
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      <pubDate>Fri, 28 Aug 2026 00:00:00 GMT</pubDate>
      <category>Housing</category>
      <description><![CDATA[The project is financed from the spreadsheet side, even when the result looks irrational from the renter side. Next move: Compare effective annual rent, list every mandatory fee, and put every concession in writing.]]></description>
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      <title>Your Boss Put a Store Inside Your Paycheck</title>
      <link>https://theykeepyoubroke.com/paycheck-store/</link>
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      <pubDate>Fri, 28 Aug 2026 00:00:00 GMT</pubDate>
      <category>Work and paychecks</category>
      <description><![CDATA[A voluntary workplace purchase can look small when the price is divided across future paychecks. Next move: Multiply every deduction, add taxes and extras, compare the exact model elsewhere, and ask what happens if your job or paycheck changes.]]></description>
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      <title>They Know What You’ll Pay. Now They Can Set Your Price.</title>
      <link>https://theykeepyoubroke.com/personalized-pricing/</link>
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      <pubDate>Fri, 28 Aug 2026 00:00:00 GMT</pubDate>
      <category>Personalized pricing</category>
      <description><![CDATA[Personal data can help estimate what an individual consumer may be willing to pay, but not every changing price is proof of surveillance pricing. Next move: Compare signed-out and direct prices, save screenshots with times and terms, and ask whether a promotion or ranking was personalized.]]></description>
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      <title>Bank Approved 6%. Your Car Loan Says 8%. Here Is Why</title>
      <link>https://theykeepyoubroke.com/buy-rate/</link>
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      <pubDate>Thu, 27 Aug 2026 02:47:40 GMT</pubDate>
      <category>Car loans</category>
      <description><![CDATA[The lender can approve one rate while the contract presents another, and the gap can become dealer compensation. Next move: Ask for the APR, term, total of payments, every add-on, and the lender-approved rate before any markup.]]></description>
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