The Missing Piece That Keeps You From Getting Rid of Debt

[Ep 178]If you’ve been trying to get rid of debt but feel like you keep sliding backward, the problem usually isn’t discipline, it’s that you’re neglecting security. In this episode, I explain what an emergency fund really is, why it matters, and how it helps reduce debt by keeping you from reaching for credit cards, loans, or even family when life throws surprise expenses your way.This is one of the biggest hidden obstacles I see with clients. They come in worried about spending habits or motivation, but the real issue is that they don’t have a buffer. Without one, every unexpected bill resets progress and makes it nearly impossible to consistently eliminate debt. We’ll also talk about why the traditional definition of an emergency fund may actually be what’s delaying you from building one.You’ll Learn:✅ What is an emergency fund is and why it’s a key tool to prevent taking on debt ✅ How to personally define your emergency fund so you can build it ✅ Knowing when you should use your emergency funds✅ Make it a regular budget item so it’s always growing ✅ Where to store emergency funds for additional growth and security What topic or question would you love answered on the podcast?Not sure what you need to do to make retirement happen? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.Looking to learn more about being retirement ready?Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.Connect with meFacebook:  https://www.facebook.com/dalene.higgins/