Chris

Managing Personal Debt : Let's Make Sense Of This Sh*t

Business EN ↓ 6 episodes

This show is for households carrying $10K–$100K+ non-mortgage debt (credit cards, medical, student, auto) who want non-judgmental, step-by-step payoff plans—not get-rich-quick or shame-based budgeting. We own avalanche vs snowball math, hardship programs, consolidation traps, credit score repair, and bankruptcy basics in plain language. We never compete with `the-morning-market-show` on markets, with `retirement-planning-lets-make-sense-of-this-sht` on 401(k) optimization (cross-link invest-vs-pay once), or with therapy slugs on money shame healing. Each episode includes a spreadsheet row or c...

Author

Chris

Episodes

Understanding Personal Debt 101: Avalanche vs Snowball — Math 30.06.2026 7:49

In this episode, we cover Payoff methods. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris. If you carry credit card balances or other non mortgage debt and want a clear plan without lectures this episode compares the avalanche and snowball payoff methods with actual numbers side by side. Many households face the same choice every month. Pay...

Understanding Student Loan Plans: IDR vs Refinance Decision Tree 30.06.2026 6:50

In this episode, we cover Student loans. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris. If student loans sit at the top of your monthly bills then the choice between income driven repayment and refinancing often decides how fast that balance shrinks. Here's the thing though. Those two paths use different rules for interest rates payment a...

Understanding Medical Debt Negotiation: Scripts Hospitals 29.06.2026 5:52

In this episode, we cover Medical. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris, and medical debt often hits households hardest because the bills arrive after the emergency has passed. Hospitals send statements that list every charge, yet many accept reduced payments when you request them the right way. Because those totals can climb fas...

Understanding Credit Score Repair: Ordered Steps After 29.06.2026 7:23

In this episode, we cover Credit score. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris. Collections on your credit report often create the biggest drop in scores, yet the steps to address them follow a clear order that starts with verification and moves from there. Many households see the same pattern after medical bills or old credit card...

Understanding Debt Consolidation: When It Helps and When It's 06.06.2026 6:02

In this episode, we cover Consolidation. The conversation opens with: Hey everyone welcome back to Managing Personal Debt : Let's Make Sense Of This Sh*t. Debt consolidation comes up often when households face ten thousand to one hundred thousand dollars across cards medical bills and auto loans. However the idea of one lower payment sounds simple yet the numbers can go either way depending on rat...

Understanding Credit Card Hardship Programs: Phone Script That 06.06.2026 4:50

In this episode, we cover Hardship. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris. Credit card bills keep climbing for a lot of households and the interest alone can eat away at any progress you try to make. Hardship programs from the issuers sometimes lower that rate or pause fees for a set period but only if you know how to request them...