#571 – How to Stop Avoiding Your Bank Account with Jade Warshaw
The Sister Circle Podcast
Chrystal Evans Hurst
4.9 • 1.3K Ratings
🗓️ 6 April 2026
⏱️ 52 minutes
🧾️ Download transcript
Summary
In this conversation, I sit down with Jade Warshaw to talk about the emotional side of money. After paying off $460,000 in debt, Jade shares what most financial advice leaves out — the guilt, the fear, the shame, and the daily commitment it takes to get unstuck.
If you’ve ever felt overwhelmed by bills, hesitant to open your bank account, or unsure how to move forward financially, this episode will encourage you. We discuss practical steps, mindset shifts, investment basics, and why the time is going to pass anyway.
Subscribe so you don’t miss upcoming conversations that help you grow spiritually, emotionally, and practically.
Highlights from Today’s Episode
- Facing financial fear instead of avoiding it
- Separating guilt from identity
- Choosing daily commitment over instant gratification
Related Resources
- Connect with Jade Warshaw on Instagram, Facebook, TikTok, and X or online at jadewarshaw.com
- Grab a copy of What No One Tells You About Money
- Check out Dave Ramsey’s The Total Money Makeover
- Download her “What’s For Dinner” Guide
Transcript
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| 0:00.0 | Hi there. Thanks for listening to the Sister Circle podcast. |
| 0:07.1 | My name is Crystal Evanshurst, and I'm your host. Thanks for tuning in to another episode of the podcast that's designed to help you live your life well and to make it a life you love. Listen, you get to choose. |
| 0:26.2 | Hey, y'all, I'm glad you're here today and I'm so excited about this episode because you |
| 0:32.2 | know I really enjoy being practical. And I'm looking forward to getting practical with my guest today who's |
| 0:38.3 | going to talk to us about her story of getting out of debt and how she has not only |
| 0:42.4 | gotten out, stayed out, but is now encouraging other people to be good with their money. So, |
| 0:48.7 | Jade, welcome to the podcast. Oh, thanks so much for having me. Appreciate it. So we want to start at the beginning. Anybody who |
| 0:57.0 | wants to know more about you can certainly find you in all the Dave Ramsey ecosystem. But you're |
| 1:03.8 | here with me today and there are some people who may not know who you are and what your story is. |
| 1:07.3 | But the big title headline is $460,000 of debt. That's a lot. How much of that is the |
| 1:15.4 | mortgage? I'm assuming the mortgage isn't there. No. It was a townhouse that my husband had |
| 1:22.1 | purchased with his mom back just before the Great Recession. And so that was $100,000 of the debt. But everything else |
| 1:32.0 | was consumer debt. Consumer, not medical. No. Well, consumer debt, yeah. So we consider consumer |
| 1:40.4 | debt, basically everything but a mortgage. Okay. Was any part, I'm trying to help you out. |
| 1:46.3 | Was any part of that like a major medical hospital stay? I mean, I know it probably was a little |
| 1:50.7 | thing. Okay. No, most of it. Okay, Crystal, most of it was student loans. Two hundred and thirty |
| 1:55.9 | thousand of student loans. A big portion of it, two vehicles that when we think about it today, I mean, |
| 2:02.6 | numbers have changed, but back then these were big numbers. We had an H3, it was like 35,000. |
| 2:08.6 | I had a Jeep Liberty's worth like 15 or 16,000, lots of credit cards. There's really no |
| 2:17.2 | redeeming factor here. I'm just going to go ahead |
| 2:19.6 | and put that out there. No one can feel sorry for me. They can just go, oh my gosh, how can you do that? |
| 2:25.4 | And I'm okay with the judgment. I will accept it. There was a lot of mistakes made. So, well, well, I think more than judgment first, I think wow |
... |
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