Debt Mindset Episodes

If you've ever wondered whether the debt you carry is helping you or holding you back, this episode gives you three questions to find out. In This Episode ✓ Ralph's 2.5 hour call with a chain of customer service bots pretending to be human ✓ The new IRS app, what it does, and why to download it only from official sources ✓ Four checks for vetting a tax preparer after a former IRS employee's indictment ✓ Side gig or career growth: the after-tax math on $10,000 of side income ✓ Good debt vs. ...

Feeling like you're drowning in debt even while making those minimum payments? Yeah, I get it. In this episode, we’re diving into that heavy burden of financial shame and flipping the script. We’re here to tell you that minimum payments don’t mean you’re failing; they actually mean you’re still in the fight. How Do I Start Paying Down Debt When I’m Only Covering Minimums? I’ll share some solid first steps to help you kickstart that debt payoff journey, even when it feels like you're stuck in qui...