Why Some People Pay Off Debt And Others Don’t

If it feels like your money used to go further and now disappears faster, you’re not imagining it. Essentials are eating a bigger slice of your income, and the pressure shows up everywhere: sleep, relationships, confidence, and decision-making. Erin Skye Kelly unpacks why the cost of simply existing feels heavier than ever and how to respond without spiraling into panic or shame. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

19 Jan 30min

One of our most-loved episodes returns. Erin F. didn’t see this version of her life coming: three kids, chronic pain, a partner in unpredictable work, and more than $70K in debt. But she got scrappy and strategic. This episode is about finding your worth outside a paycheck, getting your financial act together even when the odds are stacked against you, and discovering that your purpose might be right under your nose. Don’t skip the end -  Erin F. shares a meaningful update on where she is now and what’s changed since this conversation first aired. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

14 Jan 33min

Most people don’t question their bank until something breaks. In this episode, Erin and Keri talk about recognizing when a financial setup no longer aligns with your goals, and what to do before frustration turns into expensive mistakes. It’s a practical, grounded look at how to regain leverage without creating chaos in your money life. Join our online community: www.getthehelloutofdebt.com  For Erin’s full Life Cleanse video, click here to watch: https://tinyurl.com/43vj39ss  Check out Simplii Financial here: https://blue.mbsy.co/6tJFqQ Erin recommends Wealthsimple for your beginner investing needs: wealthsimple.com/invite/DFN0XA  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

13 Jan 27min

More people are outsourcing financial thinking to technology without fully understanding the consequences. Erin Skye Kelly explores where trust turns into risk, how small decisions quietly compound into major problems, and why “everyone’s doing it” is not a strategy. If you care about protecting what you’re building, this is a listen that could save you years of cleanup. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

12 Jan 20min

Cynthia’s journey has become a listener favorite for a reason. After paying off $27,000 of debt in one year using the Get the Hell Out of Debt program, her work didn’t stop - it evolved. Cynthia’s conversation with Erin and Keri explores the often-overlooked transition from survival to abundance, and the mindset shifts required to receive wealth without shame. Stick around to the end for a special update from Cynthia on how life has unfolded since this episode first aired. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

7 Jan 42min

A financial hangover doesn’t mean you failed, it means you’re human. In this episode, Erin reframes post-holiday spending recovery with a clear, grounded approach that replaces guilt with leadership. You’ll hear how identity, patterns, and small strategic decisions shape your long-term results, and why reacting emotionally to your numbers can quietly keep you stuck. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

6 Jan 23min

Most financial advice focuses on tightening, cutting, and shrinking, and yet the results rarely feel expansive. Erin Skye Kelly challenges that entire approach. She looks at how unresolved habits, invisible obligations, and outdated decisions quietly shape your spending, energy, and financial outcomes. Have a listen if you’ve ever felt like you’re doing “all the right things” but still feel stuck.  For Erin’s full Life Cleanse video, click here to watch: https://tinyurl.com/43vj39ss  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

5 Jan 30min