Get the Hell Out of Debt

Erin explains why the popular “good debt vs bad debt” debate often leads people in the wrong direction, and what actually determines whether a financial decision builds wealth or creates risk. Join our online community: www.getthehelloutofdebt.com Today’s episode is brought to you by Function Health. Take ownership of your health with over 100 advanced lab tests for $365 a year. Visit www.functionhealth.com/ERIN or use the gift code ERIN25 to receive $25 off your membership. Thank you to our sponsor, Chime. Chime isn’t just smarter banking - it’s designed to make your money work better for you. Signing up only takes a few minutes. Get started at chime.com/erin. You can support this podcast by checking out Mint Mobile. Switch to Mint and get 50% off unlimited premium wireless. Plans start at just $15 a month. Check it out at mintmobile.com/skye. 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 think money decisions are about numbers. But what if every dollar you spend is actually about something else? Erin and Keri will change how you think about debt, spending, and building wealth. Share your texting blunders and make Keri feel better! Do that here: www.speakpipe.com/erinskyekelly Join our online community: www.getthehelloutofdebt.com Today’s episode is brought to you by Function Health. Take ownership of your health with over 100 advanced lab tests for $365 a year. Visit www.functionhealth.com/ERIN or use the gift code ERIN25 to receive $25 off your membership. Thank you to our sponsor, Chime. Chime isn’t just smarter banking - it’s designed to make your money work better for you. Signing up only takes a few minutes. Get started at chime.com/erin. You can support this podcast by checking out Mint Mobile. Switch to Mint and get 50% off unlimited premium wireless. Plans start at just $15 a month. Check it out at mintmobile.com/skye. 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 consolidation loan promises simplicity: fewer bills, lower payments, and breathing room in the budget. On paper, it looks like a financial reset. Erin Skye Kelly breaks down what’s actually happening behind the scenes when debt gets consolidated and why the math alone rarely solves the problem. Join our online community: www.getthehelloutofdebt.com Today’s episode is brought to you by Function Health. Take ownership of your health with over 100 advanced lab tests for $365 a year. Visit www.functionhealth.com/ERIN or use the gift code ERIN25 to receive $25 off your membership. Thank you to our sponsor, Chime. Chime isn’t just smarter banking - it’s designed to make your money work better for you. Signing up only takes a few minutes. Get started at chime.com/erin. You can support this podcast by checking out Mint Mobile. Switch to Mint and get 50% off unlimited premium wireless. Plans start at just $15 a month. Check it out at mintmobile.com/skye. 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 you’ve ever tried to “be good with money” by tightening every screw in your life, you know how quickly that approach can wear thin. This episode digs into why so many smart, capable women swing between extreme discipline and total exhaustion, and why neither seems to stick. Erin takes a thoughtful look at the hidden patterns behind debt cycles, burnout, and the constant feeling that you should be doing better by now. 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

Most women can talk about almost anything with their friends…except money. Erin and Keri discuss why financial conversations feel so loaded, how early conditioning still shapes our reactions today, and what happens when we keep everything hidden. 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

You know that tiny screen at checkout that suddenly makes you question your entire value system? This episode dives into the complicated world of tipping - not just what we do, but why we do it. From cultural expectations to quiet financial pressure, Erin Skye Kelly explores how a few dollars can carry surprising emotional weight. 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

Sometimes the reason your finances won’t move forward has nothing to do with discipline and everything to do with the environment you’ve built around yourself. Today Erin tells us what happens when people make bold, strategic shifts to change their financial trajectory. Join our online community: www.getthehelloutofdebt.com Today’s episode is brought to you by Air Doctor Pro. Head to AirDoctorPro.com and use promo code ERIN to get UP TO $300 off today! 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

Crowdfunding has changed the way people navigate crisis, but it’s also exposed some uncomfortable truths about how we view money, privilege, and responsibility. Erin and Keri look at why public fundraisers spark such strong reactions, and what your response says about your relationship with security, scarcity, and control. Join our online community: www.getthehelloutofdebt.com Today’s episode is brought to you by Air Doctor Pro. Head to AirDoctorPro.com and use promo code ERIN to get UP TO $300 off today! 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

Erin Skye Kelly shares the one shift that separates women who stay stuck from women who quietly build serious wealth. Join our online community: www.getthehelloutofdebt.com Today’s episode is brought to you by Air Doctor Pro. Head to AirDoctorPro.com and use promo code ERIN to get UP TO $300 off today! 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

Two real-life relationship dilemmas. Two very different money dynamics. One common thread: what we do with money is rarely just about math. Keri shares 2 “Am I the a$$hole” situations and Erin gets into boundaries, trust, fairness, and the emotional signals behind financial choices. If you have a different take, we would love to hear it! Send us a voice message: www.speakpipe.com/erinskyekelly 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. 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 you’ve done the responsible thing for years - cutting back, being careful, trying not to mess up - but still feel like financial progress is slower than it should be, press play. Erin and Keri talk about the quiet ways fear and old money patterns can shape your choices long after your situation has changed, and what it actually takes to move from stability into growth. 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

What do you do when life hands you a big financial moment at the exact same time it pulls the rug out from under you? Erin Skye Kelly walks through a listener Kerri’s real-life crossroads involving severance, debt, job uncertainty, and the pressure to make the “right” move fast. Have you ever wondered whether the responsible choice is actually the safest one? Erin is challenging the way you think about stability, timing and long-term security. 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

There’s a reason some investments get louder during moments of economic tension. Erin and Keri explore what’s driving the renewed obsession with precious metals, how fear quietly influences financial decisions, and why what feels protective on the surface may not actually help when it matters most. Erin helps us be smart without getting swept up in the noise. 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

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