As day to day expenses increase, so does Americans debt.  Overall credit card balances for example spiked 15% during the third quarter of 2022.  To put this in perspective, this is the largest increase in over 20 years. 15% of Americans have been in credit card debt for over 15 years.  A survey conducted by Inside 1031 found that nearly half of America relies on credit cards to cover essential living expenses.  Lucy Taylor of Kiser Financial joins us on this first edition of BreakNBread in 2023 and breaks down the importance of understanding your net worth. She provides example on how to improve your income to battle the rising cost of goods and services.