In the song the duo, comprised of band members Christopher Morris, director of communications at the National Credit Union Foundation and Chad Helminak, vice president of development at Heritage Credit Union, share the the journey of Kidd Silver. Silver is a pirate who excessively borrows money without thinking of the consequences of not being able to pay it back.
The song lyrics weave in educational topics including how loans and interest work, needs vs. wants, and budgeting.
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