In this episode, Emilie speaks candidly about the mindset and strategies around debt, specifically business debt but applicable to all kinds.

Emilie immediately dives into the topic of debt, emphasising that debt is a tool, not a moral failing. She uses her own experience to illustrate her points and demystify the shame often associated with owing money. Emilie explains the psychology behind debt, including the role of dopamine and scarcity mindset, and argues for shifting the focus from debt elimination to building savings first.

She shares personal anecdotes, like her challenges around food spending, and how addressing the root cause rather than the symptom led to better financial outcomes.

Emilie stresses the importance of creating a 'breathing fund' to cushion against financial stress and recommends focusing on savings instead of debt to break the cycle.

She concludes by teasing future episodes on leveraging business overflow and planning holidays using business funds.

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