124. How to Get Out of Debt Fast (Without Hating Your Life)

Share Your Thoughts!If you’ve ever felt like you should be further ahead with money — even after earning more or having opportunities — this episode brings clarity to why that happens and how to move forward.Violeta sits down with Justin Brown-Woods, an accredited financial counselor who shares how he went from receiving a $600,000 inheritance to falling into over $220,000 of debt — and how he turned things around by paying off more than $130,000 in just 18 months.They dive into how lack of financial education, lifestyle inflation, and emotional habits can impact your finances, regardless of income. Justin also shares practical, realistic approaches to budgeting and debt payoff, including how to make budgeting feel less restrictive and more aligned with your values.The conversation also explores the emotional side of money — from shame and avoidance to how debt affects your mental health and relationships — and offers mindset shifts to help you move forward with more confidence and clarity.We cover: • How lifestyle inflation can lead to debt — even with a large income or payout • Why financial education matters more than how much you earn • A more flexible, values-based approach to budgeting • Practical strategies to stay consistent with your finances • How to overcome shame and avoidance around money • Different debt payoff methods and how to choose one • Tips for navigating money conversations in relationships • Why your financial situation does not define your worthThis episode is a reminder that you’re not behind — you’re learning. And with the right tools and mindset, you can take back control of your finances.Mentioned in this episode:Haley and Justin Brown-Woods’ Financial CounselingSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.