If you're paying off debt and it feels like it's consuming your entire brain, your thoughts,

your energy, your mood, you're not failing, you're exhausted. Because debt payoff isn't about

money. It's about the mental load of carrying high interest debt every single day and

owing somebody else money. That lack of control is the part that almost nobody talks

about. This episode is for people who are technically managing it, but emotionally barely getting

through. This is the pep I am a multimillionaire. I'm a money expert,

and I've helped over 5 million women be better with money. And before we get into the rest of the episode, we're going to do so many valuable things today, including talking about all of the emotions of debt, because you already know, this is not really about your money. This is not really about finances or numbers. This is about how you feel day to day. If you just want a resource right now, you can go to her first hundredk.com

slash ffpod where we are doing a five-day debt payoff challenge. It is free. There's no reason

every single person listening to this shouldn't sign up. Again, her first hundredk.com slash

ff pod to sign up for our free five-day debt payoff challenge. Let's talk about it. Let's talk about

debt as cognitive labor. Because as we've discussed many times on this show, money is not about

numbers or about finances. It is about your emotions. It is about your psychology, right? And the truth is, when you are in debt,

and especially high interest debt, meaning credit card debt, or a high amount of debt, like most

people have, you know, tens of thousands of dollars of student loans, it is very easy for this to

no longer be a financial problem, but for this to be an emotional

problem. The logic behind debt payoff is shockingly simple, but what actual debt payoff demands is

tracking your balances, is remembering due dates. It's constantly watching your interest undo your

progress, right? Especially with debt that compounds,

meaning that the interest on your loans then earns more interest. The cognitive labor of debt

means constantly deciding what you can or can't afford or what feels worth it. It also demands replaying numbers in your head on a loop,

which of course is bound to drive you insane. We also feel shame for taking out debt in the first

place because we not only have a society and a system that makes us feel bad or wrong for being in debt,

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