Are you struggling to finally break free from debt? In this Money 101 episode, I’m breaking down how to think about debt, strategies to pay it off, and why being completely debt-free should never be the goal. Just a quick note, this episode is not just for newbies. When I was a working financial planner I worked with people of all ages who just couldn’t figure out how to get a handle on debt. So, you are not alone if you’re struggling with debt. According to CNBC, the average American has over $90,000 in debt, according to 2021 numbers. You'll learn the two strategies to pay off debt, how to deal with the emotions around debt and a deep dive into my debt story. RELATED EPISODES The Toll Debt Takes on Your Mental Health From 10K in Debt to 800K in Net Worth Is All Debt Bad CONNECT WITH SHANNAH Thank you for being a part of our community! We couldn't do it without you.  Sign up for my signature course, Unf*ck Your Money https://www.etmlearn.com/unfck-your-money  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Sign up for Financial Coaching with Shannah https://etmpod.link/coach   To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney SPONSORS Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices