Debt Is a Behavior Problem: How to Break the Cycle and Build Real Wealth

Debt isn’t about math; it’s about mindset, habits, and the stories we tell ourselves about money.In this episode of The Michelle O’Neil Show, Michelle sits down with Howard Dvorkin, Chairman of Debt.com and one of the nation’s leading voices on credit counseling, to unpack the psychology of debt, social pressure, and financial behavior.From credit card traps and consumer culture to smart debt strategy, budgeting, and wealth-building, this conversation delivers honest insight into how people fall into debt, and how they can climb out for good. In this episode:-Why debt is a behavioral issue, not just a numbers problem-How social media and consumer culture fuel overspending-The difference between good debt and bad debt-Practical strategies to get off the “debt treadmill”-How discipline, investing, and compound interest build long-term wealth *Follow*Michelle May O'Neilhttps://www.instagram.com/themichellemayoneil/Howard Dvorkinhttps://www.howarddvorkin.com/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.