The Truth About Debt | Ep 60

Feeling stuck in credit card debt? You’re not alone—and you don’t have to stay there. In this episode of the Female Finance Collective podcast, Sybil and Jen get real about debt: how it starts, how it impacts our emotions, and most importantly—how to take control and pay it off step-by-step with clarity and confidence. We share personal stories, mindset shifts, and a practical tool (our free Snowball Debt Calculator!) to help you build a plan that actually works. If you’re overwhelmed and ready to feel hopeful again, this one’s for you. Join us for our six-week Debt Payoff Power Circle Learn more here! Let’s Hear from You! Do you have questions or ideas? Connect with us! Instagram: @femalefinance.collective Facebook, YouTube, Pinterest: Female Finance Collective Episode Timestamps 00:00 – Meet Jen, Meri-Li & Sybil 00:54 – What kind of debt we’re talking about 02:29 – Why debt feels so overwhelming 03:50 – How society sets us up for financial stress 05:15 – First step: get honest about your emotions 06:41 – Mindset shift: Why do you want to get out of debt? 08:09 – Real talk: overspending, guilt, and justification 10:22 – It's hard, but change is possible 11:16 – Introducing the Snowball Debt Calculator 13:16 – How to use the tool to create your plan 14:42 – Why minimum payments won’t get you out of debt 15:28 – Join our 6-week Debt Payoff Power Circle 16:55 – You don’t have to do this alone *Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.