Get the Hell Out of Debt

Yesterday on the podcast, we talked about what an empowered woman is. What is an empowered woman to you? Would love to hear your thoughts! https://www.speakpipe.com/erinskyekelly Send an email to [email protected] if you'd like to share that way. ***** Click here to receive Erin's Tuesday financial tips email https://www.erinskyekelly.com/sign-up-for-newsletter _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you want a prenup? Does your partner want a prenup? What are the benefits to having one? We discuss everything from financial empowerment to being all-in when it comes to love. What are your thoughts on prenuptial agreements? Send us your stories to [email protected]. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Is it ever a good idea to buy real estate, go into business or mix money with family? Annie shares her story - it's something we have all wondered from time to time. _________________________ In this episode: Erin's version of "Fight Club" is the Underground. If you would like to be added to the top secret waitlist for the private coaching group, email [email protected] with the code words: I WANT IN. Did you know Erin is a licensed Mortgage Broker? www.ErinKellyMortgages.ca If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f Here's what WebMD has to say about Propolis: https://www.webmd.com/vitamins/ai/ingredientmono-390/propolis If you have a friend who sounds "husky", she could probably use a few squirts. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

There are 2 elements to success: taking action and doing the work, but also, leaving room for miracles. _________________________ In this episode: The Adjustment Bureau (movie trailer) - https://www.youtube.com/watch?v=H78XCiJamXc The Brilliant Life of Eudora Honeysett (book) - purchase via this link, borrow ffrom your library, or find it at your fave bookstore: https://www.amazon.com/Brilliant-Life-Eudora-Honeysett-Novel/dp/0063026066 Rebecca Louis on Instagram - https://www.instagram.com/rebeccalouisefitness/ _______ EARL NIGHTINGALE quote: Do each day all that can be done that day. You don’t need to overwork or to rush blindly into your work trying to do the greatest possible number of things in the shortest possible time. Don’t try to do tomorrow’s or next week’s work today. It’s not the number of things you do, but the quality, the efficiency of each separate action, that counts. To achieve this “habit of success,” you need only to focus on the most important tasks and succeed in each small task of each day. Enough of these, and you have a successful week, month, year and lifetime. Success is not a matter of luck. It can be predicted and guaranteed, and anyone can achieve it by following this plan. But most people live a life of quiet mediocrity and never achieve the success they truly desire because they get impatient. They want easy success, or none at all. They see the path to success as a frustration, an impediment. Each day spent short of the ultimate goal is viewed as a time of failure and as an annoyance. As such, they get distracted by hundreds of little things that each day try to get us off our course. Yet the successful among us know the truth: If the end goal is all we desire, we simply cannot put in the time and effort it takes to be a success when it counts—each day—and therefore cannot lay the foundation for tomorrow’s success. Pay no attention to petty distractions. Enjoy the easy days and shake off the bad days. Stay steadily on your track. Concentrate on each task of the day from morning to night and do each as successfully as you can. Know full well that if each of your tasks is performed successfully, or at least the greater majority of them, your life must be successful. _______ Send us your Adjustment Bureau stories! [email protected] And who wants to join our extroverted introverts support group? Don't worry - we never meet. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin Skye Kelly jokes that Erin B was one of her favourite participants in the Get The Hell Out Of Debt program, and it’s not just because they share the same name. It’s because she embodied some characteristics of success that she teaches at Financial Transformation Weekend. Want to join us for Financial Transformation Weekend in January 2023? Check out transformationweekend.ca. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

How much should you invest in your child’s education? And how much should they contribute or pay themselves. _________________________ In this episode: Get your copy of Jared's book here (or from a bookstore you love): shorturl.at/ceFL4 To sign up for Erin's newsletter (that is more like a personal email from your really funny and smart friend) go here: shorturl.at/clpw8 Erin has a course that teaches YOU how to teach your kids about money. Find it here: https://www.erinskyekelly.com/how-to-teach-your-kids-about-money-course Are you joining our World's Weirdest Band? Email your audition tape to Keri at [email protected]. Zero experience or actual musicality required. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you have feelings about money from childhood that are affecting your ability to manage money today? Is it time to shift your financial identity? _________________________ In this episode: One of Erin's fave books is Awaken The Giant Within - find it here, or at your fave bookstore: shorturl.at/egLU3 This podcast is NOT sponsored by either Pantene or Starbucks. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Turns out we are experiencing Tipping Fatigue. Has tipping affected your budget at all? We want your feedback and stories on tipping! Email us at [email protected]. _________________________ In this episode: Get your copy of Jared's book here (or from a bookstore you love): shorturl.at/ceFL4 Erin's fave small town bakery: https://www.instagram.com/mylittlebirdbakery/ Erin says if we get enough requests, Keri can change the title to "Just The Tip!" _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Lisa bought real estate at the peak of the market and was worried she’d never recover. After working with Erin for a few years, she is thriving, and has created her own economy. Here is her story. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when we start to pass down our bad money habits to our kids? Have you ever supported other family members when you weren’t really able to? _________________________ In this episode: Manifesting frequency playlist Erin likes: https://open.spotify.com/artist/3MfO8CtIFvWFwGFGgnt5xM Jacqueline podcast episode where she talks about making lasagnas to pay off debt: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000503405637 Email your questions to [email protected]. That guy that cut you off in traffic definitely had explosive diarrhea. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

There are actually indicators that you are heading toward financial disaster long before they happen. They are similar to the things that end relationships. too. _________________________ In this episode: 4 Horsemen of the Apocalypse (Gottman Institute): https://www.gottman.com/blog/the-four-horsemen-recognizing-criticism-contempt-defensiveness-and-stonewalling/ Email your questions to [email protected]. Zero condoms were used in the making of this podcast. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin gives dating tips + financial tips that are so unfiltered they should probably stay in her head. _________________________ In this episode: Indecent Proposal movie trailer: https://www.youtube.com/watch?v=HumfQ0xklFU Link to Couples questions: https://www.erinskyekelly.com/learn Scroll, give us your email, and we will send these to you immediately. Bespoke by Katy event planner: https://www.instagram.com/bespokebykaty/ Adjustment Bureau movie trailer: https://www.youtube.com/watch?v=wZJ0TP4nTaE Keri is still searching for the wedding photo of Erin playing her bridesmaid flowers like an air guitar. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ And her personal account here: https://www.instagram.com/erinskyekelly/ And the website for everything else: www.erinskyekelly.com Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

It's the Season Finale! Erin's answer about paying down your mortgage versus investing your money might not be what you think. Also, she tells us about the world's most depressing document. Share your thoughts on this season here: https://www.speakpipe.com/erinskyekelly ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ 0:00 Blank Space Mansion & Keri’s Incredible Guess 1:06 Swifty Erin 6:06 Season Finale Hype Intro 6:55 100k Podcast Listener Milestone, Pass It On! 7:45 Women Helping Women 10:00 Getting A Mortgage In Retirement 12:05 Mortgage vs Investing 14:00 Mortgage Amortization Schedule 17:21 Season 6 Wrap Up _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin is LIVE for the second time this season with the Get The Hell Out Of Debt community and answers questions about mortgages and real estate - including the penalties and risk involved in re-mortgaging your home and the fixed vs variable debate. And also why Erin has a PO Box and recommends the same for you. ___________________________ To join the Get The Hell Out Of Debt community, get the course here: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ 0:45 Show Intro 1:15 Charis Mortgage Renewal. To Penalty, Or Not To Penalty 4:52 Where Does Refinancing Money Come From 6:12 Variable vs. Fixed Rate Mortgages 11:00 What Do Banks Look For 16:16 Erin’s Unsolicited PO Box Advice 19:34 Manulife Mortgage LOC vs. Other Mortgage Options 25:50 Show Extro And Candid Zoom Moments _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin talks about changing our money habits and how important it is to believe we CAN get out of debt. She also says "10 cow woman." A lot. ___________________________ Money Bunny tracker sheet: https://www.etsy.com/ca/listing/1183452528/money-bunny-tracker-sheet?click_key=fb8007e3e2f344649c31c4ea761b2c0f4e1fe9f9%3A1183452528&click_sum=1a2d8f51&ref=shop_home_recs_2 Johnny Lingo (credit) video here: https://www.youtube.com/watch?v=gXIj5zfFsk0 Tombow markers here: https://www.tombowusa.com/markers.html (not an affiliate link!) ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ 0:00 Superstore(the show) Rental Cost 1:30 Wal-Mart Employee Gossip 2:57 Erin Can’t Help Loving Mortgage Talk – Is Unrelatable 4:04 Let’s Be Friends With Sandra Bullock 4:46 Line Of Credit Payoff Strategies 7:03 External Controls For Internal Financial Chaos 10:41 Making A Chart For Payoff 11:45 Declining Balance For LOC 13:27 Stationery, Etsy Things, GTHOOD Merch, and “Debtris” 14:16 Tombow Markers!? Amazing! 15:31 Craft Swaps 16:20 Lana Is A 10 Cow Wife That Struggles With Money 17:38 Johnny Lingo 21:07 Meaningful Work Can Be Devalued 21:51 Building Money Muscles And Identity 23:35 Erin’s Imaginary Mentors 25:05 Surrounding Yourself With High Caliber Women _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

How has it taken us this long to get to this question?! Erin covers all the options and how to best make a decision that fits for you. ___________________________ Instagram accounts mentioned in this episode: https://www.instagram.com/pleasehatethesethings/ https://www.instagram.com/frills_and_drills/ https://www.instagram.com/comestayawhile/ https://www.instagram.com/darylanndenner/ ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in, including the FREE net worth spreadsheet referenced in this podcast at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ 0:00 Intro – Modern Family House Values 1:51 Jay and Gloria’s Traditions 3:26 Claire-y Blakeney 5:17 Fixed vs Variable Mortgage Choice 12:34 Pre-payment privileges and penalties 15:55 Mortgage Broker Questions 16:52 Total Cost Of Borrowing and Net Worth 17:50 Erin Asks A Lot Of Questions 20:42 HELOC For Future Work On House 31:08 Weirdest Thing Seen In Someone’s Home 31:45 Trading Spaces & Insta Accounts To Follow _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Your questions about consumer proposals - what are they, and can you still purchase a home? Learn more about how the Total Cost of Borrowing is affecting your pocketbook more than rate: In 10 minutes or less, Erin will teach you the ropes: https://www.erinskyekelly.com/pl/2147563980 ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ 0:00 Full House House Price & Uncle Jesse’s Loft 3:27 So Nice Out/Social Connection Through Technology 5:59 Consumer Proposal Affecting Mortgage Renewal 7:57 You Down With OPD? 12:47 B-Lending 13:48 Consumer Proposal Payback Plan w-Business 18:38 Ice Cream Business _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin goes LIVE with the Get The Hell Out Of Debt community and answers questions about mortgages and real estate - including buying after a consumer proposal, best ways to make extra income, and Erin's thoughts on buying real estate right now. And this is just part one! More to come... ___________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ 0:00 Sex & The City TiVo 1:07 What Would Carrie's Iconic Abode Cost? 3:41 Live Call Intros 4:46 Joleen Getting Into Real Estate w-Consumer Proposal 8:44 Inflated Mortgage vs. Rental 10:45 Celebrate Financial Progress And Researching Next Moves 12:30 Joleen’s Emotional Advice For Debt Journey 13:21 Being Kind To Others On Their Debt Journey 14:43 Kevin Thinks Erin Is A Bright Light 16:07 Kevin Looks For Advice On Earning More Income 20:47 Don’t Chase Two Rabbits – Chase Your Dream 24:09 Semantha Asks How To Navigate The Market 31:03 Looking At Real Estate A Different Way 32:32 Extro _______________________________ Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

When do you take risks with your mortgage and your finances, and when don’t you? ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ 0:00 Father Of The Bride/Cringe TV 00:44 Father Of The Bride House 1:08 Would You Ever Get Married In Your Backyard? 3:20 Keri Sings Kenny 4:10 Risky Business 4:38 HELOC Mortgage Conversion? 11:22 The Smith Maneuver _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Your questions are about insurance in this episode. What is the difference? And which are must-haves... and which are not. Erin goes over all the types of insurances: —life —critical illness —disability —mortgage insurance (Term Insurance) —Homeowners insurance —and if you own a condo, fire insurance certificate ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ 0:00 The Notebook Is Old And The House Is Affordable 1:26 Moving To Be Mortgage Free 2:46 Idaho Is Nice…? 4:13 Previous Episode Guest Dawn C’s Instagram & Plants 7:13 Till Debt Do Us Part 10:05 Should Life Insurance Be Attached To Mortgage? 13:51 Term Life Insurance 18:36 You Need Insurance-Hard To Talk About It 20:38 Other Insurance With CMHC Insurance? 22:28 Critical Illness Insurance 24:19 Disability Insurance 26:00 How Often/Long Should You Speak To Broker? 29:08 Wealth Building Insurance Products _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dawn is an amazing single mom who followed the Get the Hell Out of Debt program to pay off her debt. Hear how she resourcefully avoided going into another $50,000 in debt and is on her way to wealth. ___________________________ Learn more about how the Total Cost of Borrowing is affecting your pocketbook more than rate: In 10 minutes or less, Erin will teach you the ropes: https://www.erinskyekelly.com/pl/2147563980 If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca ___________________________ 00:00 Hype House Collective 2:18 Dawn Intro Hype 3:38 What Was Life Like Before GTHOOD? 4:17 Making The Decision To GTHOOD 5:48 A-Ha Moments & Bank Penetration 10:45 Surprising Things, Debt Numbers and Perseverance 12:52 Quick & Dirty Fund Hesitation 15:08 Practices In Place To Pay Debt 18:46 Goals For Next 3/5/10 Years 20:35 Investment Withdrawal Consequences & Timing 25:55 Prioritizing “Shit Happens” Debt Payoff 27:12 Kids Money Priorities 29:55 Investments Make Payments For You 30:56 What Would You Teach Someone Starting Out 35:16 Dawn’s Cool Retirement _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

We answer more of your questions including how do you hire a mortgage broker, and what does Erin get paid? 8 out of 10 Cats limerick link: https://www.youtube.com/watch?v=KlxJzCtAMLw ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ 00:00 Fresh Prince House & Your Parents TV 3:49 Intro 4:45 Twisted Humour 7:40 Mortgages and GTHOOD 8:36 Hiring A Mortgage Broker 12:43 How Erin Became A Mortgage Broker 15:29 What A Mortgage Broker Does 19:57 Google Knowledge is Power 22:57 Trusting Your Gut With A Reference 25:40 How Brokers Get Paid 28:42 Asking For Discounts 30:45 Surprise Visit From Ralph _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

While you are busy looking for the best rate you might be overlooking something called the Total Cost of Borrowing. Erin explains how the bank uses rate as a selling tool, not necessarily as a means to save you money. Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140 ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca ___________________________ 0:00 Keri Knows Knowledge 1:03 Ozark Real Estate and Jason Bateman Crushes 6:00 Words About Weiners 8:39 Question 1 – Attached Home Differring Mortgage Amounts 13:40 Mortgage Math 15:50 Bank Bamboozles 18:29 Question 2 – Living Beyond Your Means 28:53 Bank Rates and Quick Close Specials 31:43 Real Estate Lawyer Anniversary Payments 34:55 How To Reach Erin With Numbers _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people sign the mortgage papers as a means to get the house. Just like Erin eats cauliflower so she can dip it in ranch. But do you fully understand the cost of your mortgage? ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca ___________________________ What's in this episode: 00:00 What To Wear In The World? 1:33 ‘Friends” Real Estate – Favorite Friend (Chandler, obviously, says producer Rob) 5:40 Erin’s Ruthless Amazing Friend Circle 7:10 Intro To Season Topic - Mortgages 10:38 The Righteous Gemstones 16:16 Question 1 – Preparing For Mortgage Payoff 22:47 Mortgage Down Payments 28:15 Mortgage Pre-Payment and Fine Print 30:34 Question 2 – Lump Sum vs Lower Monthly Payments 37:14 Lines Of Credit _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin explains crypto currency which is like trying to describe a smell but she does it anyway! We answer more of your questions in this season finale! _________________________ If you have a question, message [email protected] To sponsor someone into the Get The Hell Out Of Debt program, email Keri at [email protected] For personal coaching info, email Keri at [email protected] Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

We answer more of your questions and talk about the use of the word addiction when it comes to money. Also, if Justin Bieber (or Britney Spears) are in jail when you listen to this, we take back what we said. Link to Erin's couples podcast: https://getthehelloutofdebt.libsyn.com/how-to-talk-to-your-partner-about-money _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. If you have a question, message [email protected] To sponsor someone into the Get The Hell Out Of Debt program, email Keri at [email protected] For personal coaching info, email Keri at [email protected] Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Rosanna found herself stressed financially after a relationship breakdown, where she was running her business on her line of credit. Listen to how she very humbly put aside her pride and turned her entire future around. She paid off $50,000 in debt and decided to create a life she absolutely loved. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. If you have a question, message [email protected] To sponsor someone into the Get The Hell Out Of Debt program, email Keri at [email protected] For personal coaching info, email Keri at [email protected] Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

We talk about Erin's money mistakes and how to celebrate wins, big and small. And Erin describes (in far too much detail) how she came up with Money Bunnies Here's the link to the Classes of Experience podcast: https://getthehelloutofdebt.libsyn.com/classes-of-experiences _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. If you have a question, message [email protected] To sponsor someone into the Get The Hell Out Of Debt program, email Keri at [email protected] For personal coaching info, email Keri at [email protected] Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

We answer your questions about what it’s like when you have to start over, and how to make sure your kids are financially successful! We have a course called How to Teach Your Kids About Money. You can find more info at these links: https://www.erinskyekelly.com/how-to-teach-your-kids-about-money https://www.erinskyekelly.com/offers/FTR2zmNh/checkout _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. If you have a question, message [email protected] To sponsor someone into the Get The Hell Out Of Debt program, email Keri at [email protected] For personal coaching info, email Keri at [email protected] Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

I want to introduce you to Tracie. She knew she needed a financial change when she watched her friends complete the Get the Hell Out of Debt program and she was in the middle of a divorce. Hear her success story in her own words. _________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. If you have a question, message [email protected] To sponsor someone into the Get The Hell Out Of Debt program, email Keri at [email protected] For personal coaching info, email Keri at [email protected] Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly Sign up for the fun/informative newsletter: https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re digging through the mailbag again to answer your questions this season. We discuss how to have financial discernment to keep your money safe, and we also chat about that dang quick and dirty fund. Oh, and Erin raps. If you have a question, message [email protected] _________________________ To sponsor someone into the Get The Hell Out Of Debt program, email Keri at [email protected] For personal coaching info, email Keri at [email protected] Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly Sign up for the fun/informative newsletter: https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin and Keri answer more of your frequently asked questions. In addition to business advice we also give solicited motherhood advice, but know that if you are asking us for parenting tips you are asking the two biggest softies in the world. We love being mamas. If you have a question, message [email protected] _________________________ Be sure to rate and review this podcast, especially if you love it! Etsy link: https://www.etsy.com/shop/MentalWealthSocietee Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly Sign up for the fun/informative newsletter: https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Meet Allissa, who recently graduated the Get the Hell Out of Debt program. Hear how she paid off 6 figures in debt and the lessons she learned along the way. _________________________ Be sure to rate and review this podcast, especially if you love it! Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Allissa can be found here: www.allissablondin.com Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Share your limerick or theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly Sign up for the fun/informative newsletter: https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we talk about what to do if you are midlife or older and you haven’t yet prepared for retirement. We also discuss the book Get the Hell Out of Debt and how it was written. If you have a question for Erin, email [email protected] _________________________ Be sure to rate and review this podcast, especially if you love it! Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Sign up for the fun/informative newsletter: https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin answers your questions. Today we discuss how to know how much you’ll need for retirement, how Canada Geese are related to your finances, and what’s the best way to learn about money. If you have a question for Erin, email [email protected] _________________________ Be sure to rate and review this podcast, especially if you love it! Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Free resources here: www.financialtransformation.ca Sign up for the fun/informative newsletter: https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected]. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Whether you are single or partnered up, there could be some things your partner is doing wrong when it comes to finances. Listen to find out why this happens, and how to talk to them about it. _________________________ Find the Get The Hell Out Of Debt book from these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you Rate and review the Get The Hell Out Of Debt book here - https://www.goodreads.com/en/book/show/56695117-get-the-hell-out-of-debt Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. If you enjoyed this episode, review the podcast here - https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073 Sign up for the fun/informative newsletter: https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email [email protected] Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

As Erin prepares for the book launch for Get the Hell Out of Debt, she reads the first part of the book which gives you the background about why this book came at this moment in time. Trigger warning if you've been harrassed in the workplace, or ever. _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when you and your partner can't agree on financial matters? Who needs to manage the money in a partnership? Erin discusses all things money and love in this week's episode. _______________ To download the free Couple's Questions, click HERE. **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

There's been lots of buzz in the Get the Hell Out of Debt community this month about what is happening over the next few years as we move out of the pandemic. Erin discusses some of the broad financial fears we all have from time-to-time. _______________ To download the free Net Worth Spreadsheet, click HERE _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

As a writer with a business brilliant brain, Lauren Fleming started the Business School for Writers to help creatives ditch the starving artist cliche. She is a captivating storyteller. And in her words, her work focuses on taking the guilty out of pleasure and has found the way to making money doing what she loves. _______________ All the ways to connect with Lauren Fleming: Business School For Writers / Podcast / Lauren's Instagram / School for Writers Instagram / Write Your Friggin' Book Already / Buy "Bawdy Love" _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Jesse Mecham is the founder of YNAB… A fun acronym for “You Need A Budget”. He talks with Erin about how he created the app at a time when he and his wife were newlyweds and were just trying to make an extra $300 to cover their bills. Jesse is passionate about helping people, families, business owners, and everyone in between gain total control of their money. _______________ Get your free YNAB trial here: https://youneedabudget.a4xxmk.net/g1dDNv _______________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Buy the book Get the Hell Out of Debt: https://amzn.to/3Vdelum Buy the book Naked Money Meetings: https://amzn.to/40HzEFa You can find Erin on instagram at www.instagram.com/erinskyekelly Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Julie "The Anger Lady" Christiansen is a psychotherapist, an author, and so much more. She has had an incredible journey with some tough money lessons along the way, but she’s faced it all and come out stronger than ever. Check out this conversation for some insight and motivation. _______________ All the ways to connect with Julie Christiansen: Anger Solutions / Leverage U / Julie's Instagram / Twitter _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel grew her jewellery business — named Hillberg & Berk — from a kitchen-table-operation to one of the nations most beloved jewellery brands. She’s even designed pieces for Queen Elizabeth! Join us for a candid conversation about money, growth, and why it’s important for women to take control of their finances. _______________ All the ways to connect with Rachel Mielke: Hillberg&Berk / Instagram / Rachel's Instagram / Facebook Related links: SophieGrace clothing _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Caleb lets you look straight inside his heart with this episode. He shares how deeply his money shame ran, and how he is transforming his money story. He also shares the way his wife Kara holds beautiful context for his growth, and this conversation is a powerful look at love and transformation, no matter what your relationship status, or your money status is. _______________ All the ways to connect with Caleb Campbell: Website / Instagram / Twitter Find Kara at https://www.instagram.com/bykaraelise/ _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever looked at the patterns in your relationships and how they relate to the patterns with your money? Mark Groves shares some of his personal revelations around money, relationships and mindfulness - and what motivated him to create Mine’d, the amazing digital platform for emotional wellness. _______________ All the ways to connect with Mark Groves: Website / Instagram / Facebook / Podcast / Create the Love Find Selina Grey at https://selinagray.com Find Kylie McBeath at https://www.kyliemcbeath.com _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

If you are a coach, a course creator or an entrepreneur and you are struggling with asking for what you are worth, this is the episode for you! Erin chats with author, coach, (and fancy former scientist) Dr. Jeremy Goldberg about finding your happy price that allows you to charge what you are worth and also reach the people you need to reach. We also discuss how difficult it can be to navigate unconscious money stories about men and their attractiveness when it comes to money and being a provider, and how he resolved a money story that started as a tense avocado standoff and ended in intimacy. With his partner. Not the avocado. _______________ Find Jeremy in all these places: Website / Facebook / Book / Newsletter / Instagram / TEDx talk / Podcast Find Kendra at Instagram.com/adachikendra _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

I’m so thrilled Amy Young could join us today to talk about her money story, and all the ways our unconscious beliefs about money and debt affect women. Women must stop glorifying ‘busy’ and Amy shares how important it is to listen to your inner knowing before a fast-pace life causes you to crash and burn. So much of the burnout women experience today is because of so much ‘doing’ and not enough ‘being’, and Amy dives into the importance of undoing in order to live a healthier and happier life. _______________ Amy's website: amyyoungcoaching.com Find Amy on Instagram: @amyyoungco Find Amy on YouTube: https://www.youtube.com/channel/UCxbz8CzmZFjgKHJ3sbUoa1g _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. *Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

This conversation is not safe for work, and not safe for little ears in the backseat of your vehicle. With the upcoming launch of Erin's book Get the Hell Out of Debt, she thought it would be fun to step away from the typical practical and tactical lessons she shares here on how to become consumer debt free, and explore some other money-related themes. If you typically come here for debt-related specifics, today we are taking a journey with someone who has a different, spiritual, energetic view about money. A conversation about abundance and being mutually met takes a saucy turn as Kelsey Grant explains the importance of living a regulated, pleasure-based life. This conversation will not only help you improve your relationship with money, it will help you create a baseline of joy in all areas of your life. _______________ Where to find Kelsey: www.instagram.com/radicalselflove www.instagram.com/loveandwhiskeymusic Kelsey on Spotify HERE Kelsey's course HERE _______________ **Get The Hell Out Of Debt book is in stores now! Purchase your copy HERE. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Visit Erin's website at www.erinskyekelly.com and follow her online @erinskyekelly and @getthehelloutofdebt. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Morgan bravely shares how an inheritance nearly cost him his freedom, and how love transformed his heart, and his financial journey. If you've ever thought 'if only I had a million dollars, my life would be different,' Morgan is here to change your perspective. _______________ **Get The Hell Out Of Debt book is available everywhere. Click HERE to order online. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. _______________ Because economic conditions are always fluctuating, rates, costs, currencies and world events are subject to change. There may be a gap in what happens between the time this podcast is recorded and the time you listen to it. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices

Roxanna pays for a wedding, a surgery and $20,000 in debt. She shares her wisdom when it comes to budgeting as a bride, and staying in alignment with her values. Members of our community write letters to the Year 2020. _______________ **Get The Hell Out Of Debt book is available everywhere. Click HERE to order online. Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. _______________ Because economic conditions are always fluctuating, rates, costs, currencies and world events are subject to change. There may be a gap in what happens between the time this podcast is recorded and the time you listen to it. Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Learn more about your ad choices. Visit megaphone.fm/adchoices