Get the Hell Out of Debt

As part of our Encore summer, we're bringing back this episode to help you make smarter, more confident money decisions. Is a 25-year mortgage really a bigger commitment than marriage? Keri and Erin share their own experiences of buying property before getting engaged, the pitfalls they didn't see coming, and the protections they'd insist on now. Erin has some smart financial wisdom for anyone considering mixing love and real estate. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to quince.com/skye for free shipping on your order and 365-day returns.   Thanks to Mint Mobile for sponsoring today's episode. Cut your wireless bill to 15 bucks a 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

We're bringing back this episode to help you build a healthier, more empowering money mindset. Most people are stressed about money not only because of the actual numbers in their bank account, but because money represents safety, stability, and self-worth. When any of those feel threatened, stress skyrockets. Today we will create positive associations with money and you'll get richer doing it.  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor Pro. Go to AirDoctorPro.com and use promo code: ERIN to get up to $300 off ANY of their select AirDoctor models, plus you get a 3-year warranty absolutely FREE!  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

We're bringing back this episode to revisit one of the most important financial fundamentals. It truly is the key to your success.  There's a number in your life that knows all your secrets. It knows about the credit card debt, the student loans, the Target runs, and that savings account you swear you'll grow someday. It's your net worth, and it's time to make friends with it. Erin and Keri discuss how tracking this one thing could transform your money mindset forever. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor Pro. Go to AirDoctorPro.com and use promo code: ERIN to get up to $300 off ANY of their select AirDoctor models, plus you get a 3-year warranty absolutely FREE!  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's summer Encore is the perfect place to start. Whether you're brand new to the podcast or looking for a refresher, these financial fundamentals are worth revisiting. Starting strong with your money doesn't have to be overwhelming. Erin is breaking down the 3 things you can do right away to get started. Have a listen for your easy entry point, plus get a little confidence boost if you are ready to take control of their finances. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Air Doctor Pro. Go to AirDoctorPro.com and use promo code: ERIN to get up to $300 off ANY of their select AirDoctor models, plus you get a 3-year warranty absolutely FREE!  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 listener asks how to stop slipping back into old shopping habits during a season of major life changes, Erin offers a perspective that challenges the way most people think about spending, self-worth, and financial success. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye. Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available for our Canadian listeners, too! 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 people can walk into a room, speak for a few minutes, and suddenly have everyone leaning in. In this episode, Erin and Keri explore that “It Factor” with author and presentation expert, Colin Boyd. If you've ever avoided speaking up, undersold your ideas, or wondered how others seem to communicate with so much ease, this conversation will shift how you see your own voice. Colin Boyd is an expert in high-impact communication and persuasive speaking, helping entrepreneurs and professionals turn their knowledge into clear, confident messaging that drives action. His frameworks blend storytelling, audience psychology, and practical speaking skills to help people communicate in a way that feels authentic while creating real-world results. Get Colin's book here: https://amzn.to/4figJvi  You can find Colin online at https://www.instagram.com/colinboyd/  Colin's websites:  https://onepresentationawaybook.com https://conversionstoryformula.com Today's episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye. Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available for our Canadian listeners, too! 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 and Keri look at the everyday habits, hidden assumptions, and seemingly harmless decisions that slowly erode trust, wealth, and financial freedom. Tune in for an honest conversation about how telling the truth might be the most profitable financial move you can make. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye. Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too! 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

Hear ye, hear ye: the people are fed up. As we prepare for the long weekend, Erin and Keri read listener declarations proclaiming freedom from all kinds of nonsense. Grab a hot dog, wave a tiny flag, and prepare to see yourself in at least one of these declarations. Join our online community to share your own declaration: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a 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

Erin and Keri discuss a real life TikTok scenario that highlights the difference between giving kids money and teaching them how to use it. Have a listen for Erin's practical ideas for building financial literacy, how to encourage responsibility, and the best way to help the next generation develop habits that can serve them for decades. Check out the featured TikTok mom here: https://www.tiktok.com/@thats_inappropriate  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye.I 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

A listener calls in with a dilemma that sparks a conversation about career identity, self-worth, boundaries, workplace culture, and the stories we tell ourselves about money. Erin challenges some common beliefs about career moves and offers a perspective that could change the way you think about your next opportunity. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a 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

Erin shares a framework for navigating uncertainty without losing momentum, and explains why some people will emerge stronger from this transition than ever before. This episode is about more than AI - it's about building a life that can withstand change. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a 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

A listener wrestling with a debt payoff decision sparks a conversation about momentum, motivation, integrity, and why the "best" financial choice isn't always straightforward. If you change your plan halfway through, are you being flexible or sabotaging yourself?  If you have a budget-friendly food you want Erin to try, leave us a voicemail here: www.speakpipe.com/erinskyekelly  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month 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  listener has a student loan question that sits right in that grey area. Erin goes through the hidden trade-offs that come with borrowing, saving, investing, and trying to squeeze extra value from money that isn't technically yours yet.  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a 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

Erin and Keri hear from a listener whose dad recently passed away. They discuss what happens when grief, family, responsibility, and money all arrive at once. How do you manage emotional spending, decision fatigue, and the pressure of honoring someone you love?  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by AirDoctor. Join Erin and 98% of AirDoctor's customers who say their homes feel cleaner, safer, and healthier. Go to airdoctorpro.com and use promo code Erin to get $250 off your purchase.   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 particular kind of exhaustion that comes from trying to hold everything together: the kids, the bills, the unexpected expenses, the pressure to “do it right.” Erin has insight for when your emergency fund keeps disappearing, your motivation starts fading, and you're tempted to stop trying altogether. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by AirDoctor. Join Erin and 98% of AirDoctor's customers who say their homes feel cleaner, safer, and healthier. Go to airdoctorpro.com and use promo code Erin to get $250 off your purchase.   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 felt guilty saying “no” to your kids while trying to get your financial life together, this episode is going to hit close to home. Erin answers a listener question every parent of a teenager will recognize: how do you explain budgeting, debt payoff, and financial priorities to a teen who just wants to live their best life right now?  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by AirDoctor. Join Erin and 98% of AirDoctor's customers who say their homes feel cleaner, safer, and healthier. Go to airdoctorpro.com and use promo code Erin to get $250 off your purchase.   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

A new idea. A new opportunity. A new direction that feels just exciting enough to pull you off track. But what if that pull isn't wisdom… it's pattern recognition? Erin and Keri explore what it really costs when you switch goals right as you're about to finish the most important one. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a 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

A listener is at a real-life crossroads where a lump sum of money and a new business opportunity are colliding. Erin and Keri dig into how to tell the difference between a true investment and a well-timed distraction, why due diligence matters more than enthusiasm, and what questions reveal whether something is built to last, or built to sell you on the idea quickly. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a 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 moment in almost every financially aware woman's life where she has to decide: stay with predictable income or step into something that depends more on performance, effort, and belief in herself. On paper, it looks like a practical comparison. In reality, it rarely is. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a 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 male listener asks whether this podcast could speak more directly to men, Erin shares why this space was created the way it was, and why that choice wasn't accidental. Men, we want to hear from you! Do you feel alienated in a room where women are gathered? Share your thoughts with us here: www.speakpipe.com/erinskyekelly  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye.  Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  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

Picture this: you're at the checkout and your total goes over your budget. Do you let the cashier carry on and deal with the repercussions later? Or do you stop them and ask to put something back? Your choice says more about your relationship with money than you think.  Join our online community: www.getthehelloutofdebt.com  Find Erin's friend, Mark Groves, on Instagram - @itsmarkgroves  Today's episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye.  Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!   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 listener questions whether paying for coverage makes sense for aging parents and an older spouse, Erin dives into the uncomfortable - but wildly important - conversation most families avoid. This episode is going to change how you think about one of adulthood's least glamorous decisions. Erin's Favorite Canadian Insurance Company:Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef To complete your easy online will, go here:   https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37  CODE: ERIN20  For online affordable and easy wills in America:  https://trustandwill.sjv.io/rQYqnd   Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye.  Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  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

A promotion. A hidden account. A marriage that looks fine on paper... Erin and Keri explore the blurry line between secrecy and self-protection, the financial habits couples fall into without realizing it, and why money conversations often reveal much bigger relationship dynamics.  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a 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

What if the hardest part of getting out of debt isn't a lack of discipline… but the price tag attached to being stretched too thin? Erin and Keri get into the uncomfortable reality that sometimes the people with the least wiggle room end up paying the most. Expect surprising examples, a few moments that may hit close to home, and practical perspective that turns frustration into a plan. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a 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

Have you been in a situation where someone in your life decided that your emergency was their financial problem? This episode digs into a listener dilemma that sounds like it's about $80 but is actually about something much bigger. Erin's advice is going to make you rethink every friendship where you've ever said yes when you meant no. Have you and your friend group ever gotten into a tricky money situation? Share here: www.speakpipe.com/erinskyekelly  Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month 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 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