190. I Didn't Know I Had a Debt Ceiling Until I Almost Hit It [Debt Payoff Series, Pt. 3]

190. I Didn't Know I Had a Debt Ceiling Until I Almost Hit It [Debt Payoff Series, Pt. 3]

There's a number where debt stops feeling manageable and starts feeling like too much — I call it your debt ceiling, and I was starting to hit mine at $13,300. In this episode, I share what happened after I regulated my nervous system and made peace with my numbers: a big sales month that let me put $4,000 toward my debt in one shot, how that one decision cut years off my payoff timeline, and the debt ceiling concept that's shaped how I think about debt as a tool ever since. You'll learn: ✅ What a debt ceiling is and how to figure out yours ✅ How one lump sum payment changed my payoff timeline and interest total ✅ Why I don't believe paying off debt as fast as possible is always the smartest move Let's stay connected: Website: www.buildinggenwealth.com [http://www.buildinggenwealth.com] Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching [http://www.buildinggenwealth.com/moneycoaching]

189. What To Do First When You Feel Like You're Drowning In Debt [Debt Payoff Series, Pt. 2]

Before I could even look at my debt numbers, I had to do something first that would set me up to succeed. In this episode, I share the exercise that helped me face $13,300 in debt without spiraling and with much more calm. I share my real journal entries, the big takeaways and how I felt like this was no longer "weighing down" on me so that I could implement strategy better. You'll learn: ✅ The exercise I used to stop panicking about my debt and make it feel lighter ✅ The real numbers behind my debt, including worst-case interest costs and listing out all my options ✅ How making peace with the "worst case scenario" freed me up to problem-solve Let's stay connected: Website: www.buildinggenwealth.com [http://www.buildinggenwealth.com] Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching [http://www.buildinggenwealth.com/moneycoaching]

188. How Maternity Leave, a Business Slump, and Avoidance Turned Into $13K of Debt [Debt Payoff Series, Pt. 1]

I made a big investment on a 0% interest credit card, told myself I'd figure it out later. In this episode, I walk through the origin story of the debt. And everything that came after from investing intp a business mastermind, then facing a postpartum business slump, a chaotic childcare schedule, and months of avoiding my credit card statement altogether. You'll learn: ✅ Why I put $15K on a credit card instead of paying cash ✅ How a business slump and new motherhood collided at the worst time ✅ Why I avoided looking at my numbers for months — and what that avoidance cost me Let's stay connected: Website: www.buildinggenwealth.com [http://www.buildinggenwealth.com] Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching [http://www.buildinggenwealth.com/moneycoaching]

187. I Got Into $13K of Business Credit Card Debt — Here's Everything I'm Doing to Get Out Of It [Debt Payoff Series Intro]

I got into $13,300 of business credit card debt, and I want to share the journey. In this episode, I'm kicking off a series where I share everything — the strategy, the mindset spirals, the wins, the shame, the numbers — from the last six months of working through this debt. Whether you're a business owner navigating cash flow decisions or a 9-to-5er carrying your own debt, this series is for you. You'll learn: ✅ Why I'm sharing this journey in real time, before it's "paid off" ✅ What this series will cover for both business owners and 9-to-5ers perspectives ✅ Why talking about debt openly matters in order to lose the shame Let's stay connected: Website: www.buildinggenwealth.com [http://www.buildinggenwealth.com] Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching [http://www.buildinggenwealth.com/moneycoaching]

186. Why "Can I Afford It?" Is the Wrong Question to Ask Yourself [A Real Money Check-In Story]

You said yes before you even checked. You know you want to go. You know you'll figure it out. But somewhere in the back of your head, there's this low hum of uncertainty that follows you the whole time — and it takes the edge off the fun. A few weeks ago, a friend texted me about a beach trip for the Fourth of July. It was an immediate yes. No hesitation. But before I sent that confirmation text, I asked for a few days to look at the numbers. In this episode, I breaks down exactly what happened when I sat down to do that money check-in, what I found, what I adjusted, and why my husband didn't quite get it at first. I also explains the difference between asking "can we afford this?" and asking "how are we going to cash flow this and still hit our wealth goals?" — because those are two very different questions, and only one of them actually builds wealth. You'll learn: ✅ Why "can we afford it" is not the right benchmark if you are serious about building wealth ✅ What it actually looks like to cash flow a fun expense without derailing your goals ✅ Why a 20 to 30 minute money check-in, asking yourself the right questions, before a big decision can give you total peace for the whole trip ✅ How to give every version of yourself — present you, future you, mom you, wealth-building you — a seat at the table If you are the person who always figures it out later but never quite feels settled about it, this episode is going to hit home. The goal is not just to afford the trip. The goal is to enjoy it fully, knowing your numbers are already handled. Let's connect: Website: www.buildinggenwealth.com [http://www.buildinggenwealth.com/] Instagram: @building.gen.wealth [https://www.instagram.com/building.gen.wealth/] Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching [http://www.buildinggenwealth.com/moneycoaching]