Get the Hell Out of Debt

What if the reason your debt feels impossible isn’t the number, but the way you’re thinking about it? This episode speaks directly to women who’ve done “everything right,” earn good money, and still feel stuck staring at balances that don’t seem to move. If you’re wondering whether you’re missing something obvious, Erin and Keri offer a perspective shift.  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Pay off debt first. Always. Or… maybe not? Money decisions don’t exist in a vacuum, and neither do you. If you’ve ever felt torn between paying down debt and building your future, Erin Skye Kelly offers a way to think critically instead of automatically following someone else’s rules. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we explore what happens when a capable, high-achieving woman realizes her biggest financial issue isn’t income or intelligence, it’s avoidance. Suzanne walks through the mindset shifts, habits, and decisions that helped her move from overwhelmed to steady, and from debt stress to long-term planning, thanks to Erin and Get The Hell Out Of Debt.  Join Suzanne in our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Money paperwork is one of the most avoided parts of personal finance, and this episode tackles it head-on. Erin and Keri break down what financial documents actually matter, what can be tossed, and how to create a simple system that doesn’t require perfection or fancy tools. If stacks of paper, unopened mail, or digital chaos have been quietly stressing you out, Erin offers a realistic way to get it under control. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many women say they want financial calm, but their behavior quietly signals something else. Erin Skye Kelly challenges some deeply ingrained beliefs about money, self-respect, and responsibility that keep smart, capable women stuck in stress cycles. If budgeting has felt restrictive, shame-filled, or short-lived for you, Erin and Keri reframe money management as something very different and far more sustainable. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Valerie’s story isn’t about perfection, it’s about decision-making. Erin and Keri talk to Valerie about how one clear choice changed the trajectory of her financial life, even after setbacks that could have easily kept her stuck. It’s an honest look at discipline without punishment, progress without burnout, and why consistency matters more than motivation. Join our online community: www.getthehelloutofdebt.com  To learn more about The Underground, click here: https://www.erinskyekelly.com/underground  Today’s episode is brought to you by Air Doctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Around here, we LOVE Flytographer! Remember your favorite stories, forever, with Flytographer. Get $25 your first Flytographer photo shoot when you use this link: https://flytog.co/ERINSKYEKELLY Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Money stress doesn’t usually come from one big mistake, it comes from years of small decisions left unexamined. Erin and Keri are reviewing some staggering money statistics and discuss why budgeting feels optional, why debt feels permanent for so many people, and how avoidance quietly erodes financial confidence. Erin shares a direct, honest look at how real progress starts long before the numbers change. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Air Doctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Around here, we LOVE Flytographer! Remember your favorite stories, forever, with Flytographer. Get $25 your first Flytographer photo shoot when you use this link: https://flytog.co/ERINSKYEKELLY Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Being asked to stand beside someone on one of the biggest days of their life can quietly turn into a financial minefield. Erin Skye Kelly explores what happens when expectations go unspoken, costs keep creeping up, and staying silent feels easier than speaking honestly. Have you ever felt torn between being supportive and staying financially grounded? Listen in to shift how you think about loyalty, boundaries, and long-term consequences. Join Lindsay in our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Air Doctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Around here, we LOVE Flytographer! Remember your favorite stories, forever, with Flytographer. Get $25 your first Flytographer photo shoot when you use this link: https://flytog.co/ERINSKYEKELLY Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is a fan-favorite episode for a reason. Colby went from buried under six figures of debt to building a future she once couldn’t imagine, all while navigating new motherhood and a marriage carrying more weight than it appeared from the outside. This replay dives into the reality of what it takes to get out of debt when life doesn’t pause or cooperate. If you’ve ever felt overwhelmed, discouraged, or tempted to give up, this story will hit home. Stick around until the end for a special update from Colby on where her journey has taken her since we first talked. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a noticeable difference between people who talk about getting out of debt and people who actually do it. And surprisingly, it has very little to do with spreadsheets, interest rates, or financial knowledge. Erin and Keri reveal the patterns, behaviors, and internal shifts that consistently show up when debt finally stops being a revolving door. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

If it feels like your money used to go further and now disappears faster, you’re not imagining it. Essentials are eating a bigger slice of your income, and the pressure shows up everywhere: sleep, relationships, confidence, and decision-making. Erin Skye Kelly unpacks why the cost of simply existing feels heavier than ever and how to respond without spiraling into panic or shame. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

One of our most-loved episodes returns. Erin F. didn’t see this version of her life coming: three kids, chronic pain, a partner in unpredictable work, and more than $70K in debt. But she got scrappy and strategic. This episode is about finding your worth outside a paycheck, getting your financial act together even when the odds are stacked against you, and discovering that your purpose might be right under your nose. Don’t skip the end -  Erin F. shares a meaningful update on where she is now and what’s changed since this conversation first aired. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people don’t question their bank until something breaks. In this episode, Erin and Keri talk about recognizing when a financial setup no longer aligns with your goals, and what to do before frustration turns into expensive mistakes. It’s a practical, grounded look at how to regain leverage without creating chaos in your money life. Join our online community: www.getthehelloutofdebt.com  For Erin’s full Life Cleanse video, click here to watch: https://tinyurl.com/43vj39ss  Check out Simplii Financial here: https://blue.mbsy.co/6tJFqQ Erin recommends Wealthsimple for your beginner investing needs: wealthsimple.com/invite/DFN0XA  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

More people are outsourcing financial thinking to technology without fully understanding the consequences. Erin Skye Kelly explores where trust turns into risk, how small decisions quietly compound into major problems, and why “everyone’s doing it” is not a strategy. If you care about protecting what you’re building, this is a listen that could save you years of cleanup. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Cynthia’s journey has become a listener favorite for a reason. After paying off $27,000 of debt in one year using the Get the Hell Out of Debt program, her work didn’t stop - it evolved. Cynthia’s conversation with Erin and Keri explores the often-overlooked transition from survival to abundance, and the mindset shifts required to receive wealth without shame. Stick around to the end for a special update from Cynthia on how life has unfolded since this episode first aired. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

A financial hangover doesn’t mean you failed, it means you’re human. In this episode, Erin reframes post-holiday spending recovery with a clear, grounded approach that replaces guilt with leadership. You’ll hear how identity, patterns, and small strategic decisions shape your long-term results, and why reacting emotionally to your numbers can quietly keep you stuck. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most financial advice focuses on tightening, cutting, and shrinking, and yet the results rarely feel expansive. Erin Skye Kelly challenges that entire approach. She looks at how unresolved habits, invisible obligations, and outdated decisions quietly shape your spending, energy, and financial outcomes. Have a listen if you’ve ever felt like you’re doing “all the right things” but still feel stuck.  For Erin’s full Life Cleanse video, click here to watch: https://tinyurl.com/43vj39ss  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a difference between being proactive and being pressured, and most people don’t realize when they’ve crossed that line. Erin Skye Kelly takes on one of the most emotionally charged financial topics parents face and examines how timing, flexibility, and control matter more than good intentions. If you’ve ever wondered whether you’re prioritizing the right things for your kids, this episode will give you a new lens to think through it. Join our online community: www.getthehelloutofdebt.com  For more information on Transformation Weekend, visit transformationweekend.ca  Today’s episode is brought to you by Quince. Treat yourself to bedding that lasts. Go to quince.com/skye and receive free shipping and 365 day returns.  Thanks to our sponsor, AirDoctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

You don’t need more discipline; you need fewer decisions. This episode explores how to design a money system that works even when life is busy, overwhelming, or unpredictable. Erin Skye Kelly shares straightforward strategies to reduce friction, prevent “financial jump scares,” and make bills, savings, and spending easier to manage without constant attention. Join our online community: www.getthehelloutofdebt.com  For more information on Transformation Weekend, visit transformationweekend.ca  Today’s episode is brought to you by Quince. Treat yourself to bedding that lasts. Go to quince.com/skye and receive free shipping and 365 day returns.  Thanks to our sponsor, AirDoctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  To help simplify your money, check out Monarch. Monarch is an all-in-one personal finance tool that brings your entire financial life together. Get 50% off your first year with code SKYE at monarch.com  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

You’ve been doing the “right things” with your money - paying off debt, saving consistently, maybe even investing - but there’s a quiet question that keeps coming up: what is all of this actually for? Erin Skye Kelly and Keri Blakeney talk once again with their favourite Money Machine expert, Mel Abraham, to unpack what happens after the debt is gone and why most people misunderstand retirement entirely. If you’ve ever wondered when your money starts working for you this conversation will change the way you think about building wealth. Find Mel Abraham online here: https://melabraham.com/ Get Mel’s book “Building Your Money Machine” here: https://amzn.to/4p7cncf  Join our online community: www.getthehelloutofdebt.com  For more information on Transformation Weekend, visit transformationweekend.ca  Today’s episode is brought to you by Quince. Treat yourself to bedding that lasts. Go to quince.com/skye and receive free shipping and 365 day returns.  Thanks to our sponsor, AirDoctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices