Get the Hell Out of Debt

A routine banking errand turns into a conversation every consumer needs to hear. This episode pulls back the curtain on why accessing your own money can suddenly feel like applying for permission. Erin and Keri connect the dots between modern banking systems, consumer debt, and the quiet ways people are taught to tolerate financial friction without questioning it.  Links to Erin's fave no-fee bank: https://blue.mbsy.co/6tJFqQ   Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/ 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

This episode is for the woman who's exhausted from trying to hold everything together while convincing herself she should just be grateful for the life she built. Erin and Keri explore the hidden consequences of “dream” purchases, the danger of operating from scarcity, and why creativity disappears when stress takes over. It's a conversation about finding possibilities again when your finances feel tight, your options feel narrow, and your brain won't stop doing math at 2 a.m. Get more inspiration from Suzanne's story here: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000747987916  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/ 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

Summer has a sneaky way of turning “we're doing great financially” into “why is the credit card smoking by August?” This episode is a practical reset for anyone trying to enjoy the season without undoing months of progress. From family outings and spontaneous patio dinners to the emotional pull of “we deserve this,” Erin and Keri share the systems, habits, and tiny mindset shifts that keep summer fun from turning into financial regret. For more info about Erin's Summer Money Camp, go here: https://www.erinskyekelly.com/summer-camp  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/ 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

By the time Leisha found the podcast, she had already done all the things people say should work. She had lived frugally, sacrificed constantly, sold belongings, skipped experiences, and spent years trying to budget her way out of stress. Still, the cycle kept repeating itself. What caught her attention wasn't another rigid money plan. It was hearing conversations that treated money as part of a real human life instead of a math problem disconnected from everything else. Leisha shares with Erin and Keri how discovering Get The Hell Out Of Debt changed far more than her bank account. While paying off debt across two countries, navigating complicated family dynamics, surviving four layoffs, and rebuilding her confidence from the inside out, she slowly stopped seeing herself as someone who was “bad with money.” Thanks to Erin and the support of our online community, she learned what becomes possible when you finally believe your future can look different than your past.  Join Leisha in 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 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

One minute you're focused on paying off debt. The next minute you're researching supplements, joining a gym, buying new workout clothes, and somehow explaining all of it to your credit card statement. Erin and Keri discuss why smart women can still fall into emotional spending cycles when health, identity, productivity, and self-improvement collide.  Learn more about Erin's ADHD + Money course here: https://www.erinskyekelly.com/adhd-money  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 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

This episode gets into the habits so many women normalize and why those patterns feel almost impossible to break. If your spending has ever felt tied to your stress level, your friendships, your relationship, or your identity, this conversation is going to hit close to home. 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 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

Great vacations aren't about spending more when you're on a budget. In this episode, you'll get a collection of travel hacks that help you avoid overpriced mistakes, make more intentional choices, and actually enjoy the time you've worked so hard to take off. Have a listen to ensure your holiday feels expansive and isn't something you're paying for after you get home.  Do you have a travel hack to share? Leave us a voice message at www.speakpipe.com/erinskyekelly 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 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

When a financial opportunity lands in your hands, do you keep it safe, or do you use it to invest in yourself? The answer isn't emotional, it's strategic. If you've been waiting for permission to take yourself seriously as an asset, this might be the conversation that gives it to you. Join our online community: www.getthehelloutofdebt.com  Link to Erin's book rec “Profit First” https://amzn.to/4dhx5mW  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 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

Taxes, tuition, and weddings, oh my! With competing priorities pulling from every direction, the real question becomes: what actually deserves your money first? The answer might surprise you, and it might also be the shift that changes everything about how you approach debt, spending, and decision-making moving forward. 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 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

For Jessica, hitting her breaking point didn't come with perfect timing or a clear plan, just a realization that she was done living a life that didn't feel like hers. What followed wasn't about restriction or extremes, but a different way of approaching money that actually fit her real life. If you've ever thought, “I can't do this again,” this story will feel familiar in the best way. Jessica shares with Erin and Keri how years of trying to manage money in ways that didn't stick led her to something more sustainable - one that allowed for real life, real relationships, and real progress. From navigating financial decisions in her marriage to finding a rhythm that worked for her, this episode digs into how Erin and Get The Hell Out Of Debt changed Jessica's whole world. Join Jessica in our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by: Quince – Beautiful, high-quality essentials (including bedding) at great prices. Get free shipping and 365-day returns at quince.com/skye. Chime – Smarter, more rewarding banking with no hidden fees. Sign up in minutes at chime.com/erin. Mint Mobile – Get 50% off unlimited premium wireless, with plans starting at $15/month at mintmobile.com/skye. 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

You can be kind, compassionate, and incredibly good at what you do… and still be making a costly mistake with your money. Erin reveals a subtle habit that keeps showing up for high-capacity women - especially the ones others rely on - and why fixing it has less to do with numbers and more to do with something deeper. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by: Quince – Beautiful, high-quality essentials (including bedding) at great prices. Get free shipping and 365-day returns at quince.com/skye. Chime – Smarter, more rewarding banking with no hidden fees. Sign up in minutes at chime.com/erin. Mint Mobile – Get 50% off unlimited premium wireless, with plans starting at $15/month at mintmobile.com/skye. 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

There are often-overlooked habits that quietly shape financial outcomes over time, both for you and for the next generation. If you are looking to give your kids a financial headstart, or if you are ready to have one of your own, this episode is a must-listen. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by: Quince – Beautiful, high-quality essentials (including bedding) at great prices. Get free shipping and 365-day returns at quince.com/skye. Chime – Smarter, more rewarding banking with no hidden fees. Sign up in minutes at chime.com/erin. Mint Mobile – Get 50% off unlimited premium wireless, with plans starting at $15/month at mintmobile.com/skye. 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

For Nicole and Michael, Erin's book Get The Hell Out Of Debt showed up at exactly the right time. What started as curiosity quickly turned into action, and that action turned into over $53,000 in debt paid off. If you've ever felt like you and your partner are taking turns being “the motivated one,” this story is for you.  Nicole and Michael share how years of back-and-forth - budgeting attempts, balance transfers, and good intentions - kept them stuck in the same cycle. With two kids, busy careers, and the rising costs of everyday life, finding Get the Hell Out of Debt gave them a process they could both commit to and the structure they needed. Listen to this episode to learn how they did it! Join Nicole + Michael in our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/ 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

This is one of the most controversial aspects to budgeting, and many people think they can leave this out when they are financially hurting. Listen to this episode to learn what area you absolutely need to consider in your budget if you want to grow your abundance and wealth. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  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

Progress with money doesn't always announce itself. It shows up in quieter ways, like catching yourself mid-pattern or choosing differently when no one's watching. You may think you're not doing enough, but you will be surprised what counts as a massive money win when you're building wealth. When you sign up for Wealthsimple, use this link and help sponsor others into the Get The Hell Out Of Debt program: wealthsimple.com/invite/DFN0XA   Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  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

Meet Jessie. She paid off over $55,000 in 23 months using the Get the Hell Out of Debt method, all while growing her business and raising small kids. If you have ever doubted your ability to master money as a solopreneur, Jessie will inspire you to take control of your numbers, build real financial systems, and prove to yourself that consistency beats chaos every time. In this episode, Jessie shares exactly how she went from survival mode to full financial clarity. As a self-employed hairstylist with unpredictable income, maternity leave gaps, and the pressure of raising two young children, her debt didn't come from irresponsibility - it came from real life. Lost income, big life events, and using her business like an ATM slowly created over $55,000 in debt. Until she met Erin Skye Kelly.  You can find Jessie via her website - www.jessiemarshallhairstylist.com And on Instagram @jessiemarshall_hairstylist Join Jessie in our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by: Quince – Beautiful, high-quality essentials (including bedding) at great prices. Get free shipping and 365-day returns at quince.com/skye. Chime – Smarter, more rewarding banking with no hidden fees. Sign up in minutes at chime.com/erin. Mint Mobile – Get 50% off unlimited premium wireless, with plans starting at $15/month at mintmobile.com/skye. 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

You've done the hard part - facing the numbers, cutting back, and making real progress. But now it's quiet. Predictable. Maybe even a little dull. DO NOT INSERT DRAMA HERE! Drama = Debt. Listen to the advice that millions of people have followed to get the hell out of debt when they are stuck in the messy middle.  Get Darren Hardy's book “Compound Effect” here: https://amzn.to/4sXVVNZ  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by: Quince – Beautiful, high-quality essentials (including bedding) at great prices. Get free shipping and 365-day returns at quince.com/skye. Chime – Smarter, more rewarding banking with no hidden fees. Sign up in minutes at chime.com/erin. Mint Mobile – Get 50% off unlimited premium wireless, with plans starting at $15/month at mintmobile.com/skye. 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

There's a specific kind of money that feels different the moment it lands in your account. It feels flexible. Justifiable. Almost… deserved. And that's exactly where things can start to go sideways. Erin Skye Kelly takes a closer look at how quickly intention can get replaced by emotion when you're deciding how to handle a tax refund.  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by: Quince – Beautiful, high-quality essentials (including bedding) at great prices. Get free shipping and 365-day returns at quince.com/skye. Chime – Smarter, more rewarding banking with no hidden fees. Sign up in minutes at chime.com/erin. Mint Mobile – Get 50% off unlimited premium wireless, with plans starting at $15/month at mintmobile.com/skye. 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

It starts innocently…covering a bill, booking something on your card, or helping someone out “just this once.” But what happens next can quietly shift everything. Erin and Keri explore the emotional, relational, and financial ripple effects of lending and borrowing money in everyday situations. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Northwest Registered Agent. Get more for your business with Northwest Registered Agent at northwestregisteredagent.com/ErinFree 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

You know what you need to be doing with your money, so why does it feel so hard to actually do it? If you've ever promised yourself you'd “be better” this month only to find yourself right back in the same patterns this episode will hit close to home. Erin and Keri are digging into what's really going on beneath the surface of spending habits, and why the usual fixes don't seem to stick. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Northwest Registered Agent. Get more for your business with Northwest Registered Agent at northwestregisteredagent.com/ErinFree 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

You've probably seen it - people proudly saying no to dinners, trips, and spending in the name of being “responsible.” But what if that approach is only solving part of the problem?  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Northwest Registered Agent. Get more for your business with Northwest Registered Agent at northwestregisteredagent.com/ErinFree 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

When it comes to money, the right answer isn't always consistent. It depends on the context. Erin and Keri discuss two situations involving travel and financial pressure, where one decision could set you back… and the other might actually matter more than the numbers. Knowing the difference is everything. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Upgrade your bedding - go to Quince.com/SKYE for free shipping and 365-day returns. Now available in Canada, too.  Thanks also to Mint Mobile. If you like your money, Mint Mobile is for you. Shop plans at mintmobile.com/SKYE  And one more awesome sponsor! Join the millions who are already banking fee free today by joining Chime. It just takes a few minutes to sign up. Head to 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

There's a quiet pattern playing out in women's finances, and it has nothing to do with intelligence or discipline. Erin and Keri take a closer look at the habits, beliefs, and experiences that shape how women approach money, and why those patterns can keep wealth just out of reach.  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Upgrade your bedding - go to Quince.com/SKYE for free shipping and 365-day returns. Now available in Canada, too.  Thanks also to Mint Mobile. If you like your money, Mint Mobile is for you. Shop plans at mintmobile.com/SKYE  And one more awesome sponsor! Join the millions who are already banking fee free today by joining Chime. It just takes a few minutes to sign up. Head to 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

Gloves up! We're putting one of the biggest money debates head-to-head. Owning a home has long been crowned the champion of wealth-building, while renting has been cast as the underdog. Erin Skye Kelly breaks down each round of the fight, looking at what each option actually delivers when it comes to your finances, your flexibility, and your future. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Upgrade your bedding - go to Quince.com/SKYE for free shipping and 365-day returns. Now available in Canada, too.  Thanks also to Mint Mobile. If you like your money, Mint Mobile is for you. Shop plans at mintmobile.com/SKYE  And one more awesome sponsor! Join the millions who are already banking fee free today by joining Chime. It just takes a few minutes to sign up. Head to 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

Financial red flags aren't always obvious. They can be subtle, tricky, and disguised as “normal” decisions. Erin exposes the habits that silently sabotage your wealth, like focusing on monthly payments instead of total costs or letting your lifestyle creep faster than your income. Learn how to track your net worth, create a plan, and handle money challenges before they become crises. By the end, you'll know exactly what to watch for, and what to do about it.  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by AirDoctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  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

It looks like a smart move on paper - lower interest, faster payoff, more breathing room. But what if the strategy that feels responsible is actually the thing keeping you stuck? Erin and Keri break down a common financial decision that many people consider when they're trying to get ahead and why it doesn't always deliver the results you expect. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by AirDoctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  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

When your relationship feels like it's standing on a fault line, clarity around money becomes essential. Erin Skye Kelly explores what it really means to prepare financially when you're not sure whether you're staying or going. From gathering information to protecting your future, Erin offers a steady path forward when everything else feels uncertain. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by AirDoctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  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

You can earn more money, make smarter choices, and still feel like you're barely staying afloat. Erin and Keri explore the subtle ways childhood experiences shape how we think about money, and why those patterns can quietly influence spending, saving, and even how we see ourselves financially. 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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

Most parents want their kids to have a better financial life than they did, but very few know how to actually teach it. Erin and Keri chat about the moment when young adults gain access to one of the most powerful wealth-building tools available, and the surprisingly effective way to help them understand it. And it can have an impact that lasts for decades. 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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

Many people focus only on budgets, income, and monthly bills, but there's a far more powerful number quietly shaping financial outcomes. In this episode, Erin Skye Kelly talks about the habit that transforms money from a stressful guessing game into something you can actually measure, track, and improve. 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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

Erin explains why the popular “good debt vs bad debt” debate often leads people in the wrong direction, and what actually determines whether a financial decision builds wealth or creates risk. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Function Health. Take ownership of your health with over 100 advanced lab tests for $365 a year. Visit www.functionhealth.com/ERIN or use the gift code ERIN25 to receive $25 off your membership. Thank you to our sponsor, Chime. Chime isn't just smarter banking - it's designed to make your money work better for you. Signing up only takes a few minutes. Get started at chime.com/erin. You can support this podcast by checking out Mint Mobile. Switch to Mint and get 50% off unlimited premium wireless. Plans start at just $15 a month. Check it out at mintmobile.com/skye. 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

Most people think money decisions are about numbers. But what if every dollar you spend is actually about something else? Erin and Keri will change how you think about debt, spending, and building wealth.  Share your texting blunders and make Keri feel better! Do that here: www.speakpipe.com/erinskyekelly  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Function Health. Take ownership of your health with over 100 advanced lab tests for $365 a year. Visit www.functionhealth.com/ERIN or use the gift code ERIN25 to receive $25 off your membership. Thank you to our sponsor, Chime. Chime isn't just smarter banking - it's designed to make your money work better for you. Signing up only takes a few minutes. Get started at chime.com/erin. You can support this podcast by checking out Mint Mobile. Switch to Mint and get 50% off unlimited premium wireless. Plans start at just $15 a month. Check it out at mintmobile.com/skye. 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

A consolidation loan promises simplicity: fewer bills, lower payments, and breathing room in the budget. On paper, it looks like a financial reset. Erin Skye Kelly breaks down what's actually happening behind the scenes when debt gets consolidated and why the math alone rarely solves the problem.  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Function Health. Take ownership of your health with over 100 advanced lab tests for $365 a year. Visit www.functionhealth.com/ERIN or use the gift code ERIN25 to receive $25 off your membership. Thank you to our sponsor, Chime. Chime isn't just smarter banking - it's designed to make your money work better for you. Signing up only takes a few minutes. Get started at chime.com/erin. You can support this podcast by checking out Mint Mobile. Switch to Mint and get 50% off unlimited premium wireless. Plans start at just $15 a month. Check it out at mintmobile.com/skye. 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

If you've ever tried to “be good with money” by tightening every screw in your life, you know how quickly that approach can wear thin. This episode digs into why so many smart, capable women swing between extreme discipline and total exhaustion, and why neither seems to stick. Erin takes a thoughtful look at the hidden patterns behind debt cycles, burnout, and the constant feeling that you should be doing better by now. 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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

Most women can talk about almost anything with their friends…except money. Erin and Keri discuss why financial conversations feel so loaded, how early conditioning still shapes our reactions today, and what happens when we keep everything hidden.  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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

You know that tiny screen at checkout that suddenly makes you question your entire value system? This episode dives into the complicated world of tipping - not just what we do, but why we do it. From cultural expectations to quiet financial pressure, Erin Skye Kelly explores how a few dollars can carry surprising emotional weight.  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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

Sometimes the reason your finances won't move forward has nothing to do with discipline and everything to do with the environment you've built around yourself. Today Erin tells us what happens when people make bold, strategic shifts to change their financial trajectory.  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor Pro. Head to AirDoctorPro.com and use promo code ERIN to get UP TO $300 off today!  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

Crowdfunding has changed the way people navigate crisis, but it's also exposed some uncomfortable truths about how we view money, privilege, and responsibility. Erin and Keri look at why public fundraisers spark such strong reactions, and what your response says about your relationship with security, scarcity, and control. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor Pro. Head to AirDoctorPro.com and use promo code ERIN to get UP TO $300 off today! 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

Erin Skye Kelly shares the one shift that separates women who stay stuck from women who quietly build serious wealth. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor Pro. Head to AirDoctorPro.com and use promo code ERIN to get UP TO $300 off today!  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

Two real-life relationship dilemmas. Two very different money dynamics. One common thread: what we do with money is rarely just about math. Keri shares 2 “Am I the a$$hole” situations and Erin gets into boundaries, trust, fairness, and the emotional signals behind financial choices.  If you have a different take, we would love to hear it! Send us a voice message: www.speakpipe.com/erinskyekelly  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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

If you've done the responsible thing for years - cutting back, being careful, trying not to mess up - but still feel like financial progress is slower than it should be, press play. Erin and Keri talk about the quiet ways fear and old money patterns can shape your choices long after your situation has changed, and what it actually takes to move from stability into growth. 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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

What do you do when life hands you a big financial moment at the exact same time it pulls the rug out from under you? Erin Skye Kelly walks through a listener Kerri's real-life crossroads involving severance, debt, job uncertainty, and the pressure to make the “right” move fast. Have you ever wondered whether the responsible choice is actually the safest one? Erin is challenging the way you think about stability, timing and long-term security.  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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

There's a reason some investments get louder during moments of economic tension. Erin and Keri explore what's driving the renewed obsession with precious metals, how fear quietly influences financial decisions, and why what feels protective on the surface may not actually help when it matters most. Erin helps us be smart without getting swept up in the noise.  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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

What if the reason your debt feels impossible isn't the number, but the way you're thinking about it? This episode speaks directly to women who've done “everything right,” earn good money, and still feel stuck staring at balances that don't seem to move. If you're wondering whether you're missing something obvious, Erin and Keri offer a perspective shift.  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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

Pay off debt first. Always. Or… maybe not? Money decisions don't exist in a vacuum, and neither do you. If you've ever felt torn between paying down debt and building your future, Erin Skye Kelly offers a way to think critically instead of automatically following someone else's rules. 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  Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. 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

Today we explore what happens when a capable, high-achieving woman realizes her biggest financial issue isn't income or intelligence, it's avoidance. Suzanne walks through the mindset shifts, habits, and decisions that helped her move from overwhelmed to steady, and from debt stress to long-term planning, thanks to Erin and Get The Hell Out Of Debt.  Join Suzanne in 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

Money paperwork is one of the most avoided parts of personal finance, and this episode tackles it head-on. Erin and Keri break down what financial documents actually matter, what can be tossed, and how to create a simple system that doesn't require perfection or fancy tools. If stacks of paper, unopened mail, or digital chaos have been quietly stressing you out, Erin offers a realistic way to get it under control. 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

Many women say they want financial calm, but their behavior quietly signals something else. Erin Skye Kelly challenges some deeply ingrained beliefs about money, self-respect, and responsibility that keep smart, capable women stuck in stress cycles. If budgeting has felt restrictive, shame-filled, or short-lived for you, Erin and Keri reframe money management as something very different and far more sustainable. 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

Valerie's story isn't about perfection, it's about decision-making. Erin and Keri talk to Valerie about how one clear choice changed the trajectory of her financial life, even after setbacks that could have easily kept her stuck. It's an honest look at discipline without punishment, progress without burnout, and why consistency matters more than motivation. Join our online community: www.getthehelloutofdebt.com  To learn more about The Underground, click here: https://www.erinskyekelly.com/underground  Today's episode is brought to you by Air Doctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Around here, we LOVE Flytographer! Remember your favorite stories, forever, with Flytographer. Get $25 your first Flytographer photo shoot when you use this link: https://flytog.co/ERINSKYEKELLY 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

Money stress doesn't usually come from one big mistake, it comes from years of small decisions left unexamined. Erin and Keri are reviewing some staggering money statistics and discuss why budgeting feels optional, why debt feels permanent for so many people, and how avoidance quietly erodes financial confidence. Erin shares a direct, honest look at how real progress starts long before the numbers change. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Around here, we LOVE Flytographer! Remember your favorite stories, forever, with Flytographer. Get $25 your first Flytographer photo shoot when you use this link: https://flytog.co/ERINSKYEKELLY 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

Being asked to stand beside someone on one of the biggest days of their life can quietly turn into a financial minefield. Erin Skye Kelly explores what happens when expectations go unspoken, costs keep creeping up, and staying silent feels easier than speaking honestly. Have you ever felt torn between being supportive and staying financially grounded? Listen in to shift how you think about loyalty, boundaries, and long-term consequences. Join Lindsay in our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Around here, we LOVE Flytographer! Remember your favorite stories, forever, with Flytographer. Get $25 your first Flytographer photo shoot when you use this link: https://flytog.co/ERINSKYEKELLY 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