Most people believe their debt is the reason they can’t save, travel, or feel free with their money. But here’s the truth: your debt isn’t the villain, the story you’re telling yourself about your debt is what’s holding you back.
In this episode of Money Files, I unpack one of the biggest mindset shifts that changed my own financial life and has transformed the lives of my clients: learning how to stop villainizing debt and start rewriting your money story.
I’ll share my journey of paying $500 a month toward student loans in my 20s, and how shifting my perspective helped me stop waiting for freedom and start creating it even while carrying debt. You’ll also hear client examples that reveal how often we think debt is the problem, when the truth is, the lifestyle we want simply requires more clarity, intention, or income.
If you’ve ever said, “I’d be further ahead if I didn’t have this debt,” this episode is for you. You don’t have to wait for a zero balance to feel at peace. You can create freedom now.
Listen to learn:
[01:05] Why the real problem isn’t your debt, it’s the story you’re telling yourself
[06:18] How a mindset shift turned $500 student loan payments into opportunity
[10:30] The exercise I walk clients through to uncover what’s really holding them back
[16:42] Why more income, not less debt, might be the key to funding the life you want
[22:55] How to live, save, and pay off debt at the same time
[28:20] The real byproduct of shifting your money story: peace, confidence, and freedom now
Tune into this episode of Money Files to discover how to stop villainizing your debt and start living the life you want even before it’s all paid off.
Get full show notes and the episode transcript: https://wealthovernow.com/the-surprising-mindset-shift-that-makes-paying-off-debt-easier/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now