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In this YouTube segment, Ramit Sethi hosts a candid conversation with two guests who reveal that their parents opened and used credit accounts in their names without permission. One speaker describes how their parents forged their signature on mailed checks and credit cards, while another recounts a mother maxing out a Macy’s/JCPenney card for holiday gifts and a father using their checking information to sign up for an online service. The discussion highlights the shock, anger, and sense of betrayal felt by the children, and serves as a warning about the hidden ways families can misuse a young adult’s financial identity.










