Get the Hell Out of Debt

Halloween candy is barely in the cart when Black Friday starts whispering filthy little promises into your inbox. Then come the matching pajamas, gifts, travel, parties, decorations, and post-Christmas sales. Before the final quarter seduces you into undoing ten months of progress, Erin suggests it’s time for a very Naked Money Meeting. Erin’s fave book she bought for her teens: https://amzn.to/4i...

The bank says you can afford it. The realtor knows you will fall in love with it. The kitchen has a pot filler, the primary bedroom is giving main-character energy, and suddenly the budget feels like a minor technicality. Before you commit to a 30-year financial relationship, Erin reveals the expensive details hiding beneath that attractive exterior in this Naked Money Meeting.  The Naked Mon...

One of our listeners is caught between two possibilities: having a child and regretting it, or not having one and regretting that instead. Her eggs may be applying pressure, but this decision asks for more than a biological deadline. Erin and Keri get candid about money, birth, identity, partnership, uncertainty, and the difference between wanting a baby and wanting the lifelong assignment that fo...

A full-time teacher wants to launch a porch bakery, eliminate the family’s debt, and help her husband retire fully within three years. The baked goods may be sweet, but mixing business and personal money can create a sticky mess. In this Naked Money Meeting, Erin unwraps  the delicious little business model that could help make it happen, provided nobody eats the inventory. The Naked Money Me...

Does a landlord keep life insurance after the mortgage is paid off? Can a debt-crushing family pause its progress before a new baby arrives? Two women bring very different questions about the same seductive financial fantasy: that the plan should continue exactly as expected, even when life changes the conditions. We LOVE Flytographer! Book here and get $50 off your destination photoshoot: https:/...

Women have been taught how to behave with money, but have they been taught how to make it perform? From shame and inaccurate education to investing, negotiation, and asking for what actually works, this Naked Money Meeting gets intimate with the cultural conditioning that leaves too many women financially unsatisfied. There is no prize for grinding it out the hard way. Tell us! Where you did you g...

In the final episode of this three-part series, Jen came looking for help with debt, investing, and ambition. But beneath the numbers sat a loss she was still carrying and a few final tasks she could not bring herself to complete. Erin helps Jen see what happens when financial admin becomes emotionally loaded, moving forward feels like betrayal, and one brave email asks her to become visible again...

In the second of this three part series, Jen cannot imagine finding $5,000 for herself without crumbling under the pressure. Ask her to find it for someone else, however, and possibility suddenly appears. In this follow-up conversation, Erin gets beneath people-pleasing, self-rejection, and the costly ways women abandon themselves before anyone else has the chance. The Naked Money Meetings continu...

In the first of this three part series, you’ll meet Jen. What if “being reasonable” is sometimes fear wearing a sensible little outfit? When a high-achieving woman decides she may simply want too much, Erin asks what she would do if finding $5,000 today were non-negotiable. The answer exposes a tender spot that has very little to do with money. The Naked Money Meetings continue online here: https:...

Your husband’s company is booming, the owners are offering him a seat at the table, and a tiny slice of the business costs a cool quarter of a million dollars. Enticing? Absolutely. But before anyone slips into bed with a private company, there are a few intimate financial details worth exposing. The Naked Money Meetings continue online here: https://www.facebook.com/share/g/1HqMhn3BQF/  We w...

Mysterious scoring systems, commitment issues, aggressive suitors, and paperwork that knows exactly how financially attractive you are - insurance shopping has everything a woman could want. In this Naked Money Meeting, Erin and Keri explore the surprisingly intimate connection between your financial history and insurance costs. Saddle up!  The Naked Money Meetings continue online here: https...

If your credit cards keep seducing you, your emergency fund is dressed for the stock market, and your budget feels far too negative to look at, who is responsible for the morning after? One listener arrives hot, bothered, and ready to quit. This Naked Money Meeting gets into blame, ownership, and the seductive little stories we tell when the numbers refuse to flatter us. The Naked Money Meetings c...

She has spent three years cleaning up the family finances. He has spent three years telling the kids to “ask Mom.” Then a relative’s wedding plans introduce a surprisingly revealing use for retirement savings, and the conversation gets intimate fast. In this Naked Money Meeting, Erin and Keri slip between the sheets of money, marriage, power, and the exhausting cost of always being the responsible...

We’ve all slept with a few bad financial decisions. Some disappeared after one expensive night, some keep texting in the form of recurring charges, and others are still lurking in an account you haven’t checked since your “I’m going to become an investor” era. In this Naked Money Meeting, Erin and Keri examine what your financial body count reveals about your patterns, and whether any of those old...

You may share a bed, a home, and a comfortable lifestyle, but could you run your financial life if your partner suddenly disappeared from it? In this Naked Money Meeting, Erin and Keri get intimate with the difference between having money and actually understanding it, especially when one person holds the passwords, manages the portfolio, and knows where all the (financial) bodies are buried.&nbsp...

Naked Money Meetings start tomorrow. Nothing is off limits. Nothing is too embarrassing. And we're done pretending the most interesting parts of women's lives are inappropriate conversation. Follow or subscribe now so you don’t miss the first episode of Naked Money Meetings. Learn more about your ad choices. Visit megaphone.fm/adchoices

Revisiting this episode offers a thoughtful look at knowing when to postpone a vacation and when an experience is worth making room for. When it comes to money, the right answer isn’t always consistent. It depends on the context. Erin and Keri discuss two situations involving travel and financial pressure, where one decision could set you back… and the other might actually matter more than the num...

We are bringing you this episode again because its compassionate advice on navigating grief without spending away your financial security deserves another listen. It’s been a rough year for one of our listeners, and like so many of us, she turned to “experience spending” to soothe the ache. But now the financial hangover has kicked in. Erin and Keri unpack what happens when emotional survival meet...

This episode is back for an encore because its advice on celebrating without slipping into old spending habits is worth hearing at every stage of the debt-free journey. Our community's rock star, Cynthia, is *this close* to paying off her last debt, and she has a question about whether she should be treating herself to celebrate her wins. Erin's advice might surprise you. Can you balance joy and f...

This encore episode has essential advice on keeping personal money out of your business and building a company that can sustain itself. Erin advises against bailing out your business with personal funds, emphasizing the importance of generating revenue, managing cash flow, and avoiding unnecessary debt. Learn why a business must be self-sustaining and profitable, and how strategies like allowing y...

Revisit this encore episode for its clear, practical guidance on paying yourself without starving your business of the cash it needs to grow. Ever poured your heart, and countless hours, into a business while your bank account stays stubbornly quiet? Erin and Keri tackle the money talk too many women avoid: when to finally start paying yourself. Erin reveals how to balance loans, cash flow, and yo...

This encore episode is worth another listen for its practical breakdown of how business owners can build a financial safety net without losing focus on growing their business. If you’re juggling credit card debt and trying to grow your business without losing your mind, this episode is your new secret weapon. Erin and Keri talk about how to stop reacting and start planning strategically, when to a...

This encore returns as a timeless reminder that caring about someone doesn’t mean taking responsibility for their choices. A listener sent in a question about her friend's whopping 40% 'murder interest' - Erin has some opinions about this! Listen in for insightful tips on how to navigate the tricky waters of finance and friendships.  Join our online community: www.getthehelloutofdebt.com&nbsp...

The path to financial progress isn’t always perfect, and knowing how to keep moving forward is a lesson worth hearing again. Emily sent in a note asking how to learn from and get over their mistakes quicker while they are paying off debt. Erin outlines 5 main pitfalls couples face as they work to Get The Hell Out Of Debt, and she offers practical advice on overcoming your financial missteps. ...

This encore episode offers a practical framework for turning an expensive mistake into a useful lesson and building stronger financial habits afterward. She wanted an affordable way to get around. He wanted to upsell a bike. Can you guess who won? What happens next isn’t about shame, it’s about reclaiming control. Erin and Keri peel back the layers of impulse spending, sneaky marketing tricks, and...