Jade Warshaw on Escaping the Debt Trap and Rewriting Your Story #1073
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 10 December 2025
⏱️ 50 minutes
🧾️ Download transcript
Summary
In Greek mythology, Atlas holds the heavens on his shoulders as a punishment from Zeus. And every time you see an image of Atlas, remember the hundreds of millions of Americans who are perpetually burdened by debt. To many of those consumers, the weight of credit cards, personal loans, and car loans feels like an eternal struggle… the new normal with no end in sight. But like our guest today, you can reject that fate and rewrite your story. Jade Warshaw paid off almost half a million dollars in consumer debt over the better half of a decade. Now she uses her hard-earned knowledge to teach others how to do the same. She’s a Ramsey personality and is the author of the new book ‘What No One Tells You About Money’ which explores the emotional side of personal finances. We dive into that and also cover:
- Facing deep emotional struggles when dealing with debt
- Financial discussions should include emotional health
- Debt can strain personal relationships significantly
- Understanding money involves more than just numbers
- Feeling isolated in financial struggles
- Role of debt in growing a family
- Good debt vs bad debt
- Jade’s final piece of advice
- And much more!
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
- Jade’s new book, out January 6th: What No One Tells You About Money
- Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
- Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
- Find a thriving community of fellow money nerds by joining the HTM Facebook group!
- Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
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Best friends out!
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Transcript
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| 0:00.0 | This is an I-Heart podcast. |
| 0:02.3 | Guaranteed Human. |
| 0:04.0 | Welcome to How to Money. |
| 0:05.8 | I'm Joel. |
| 0:06.3 | And today I'm talking with Jade Warshaw on escaping the debt trap and rewriting your story. Okay, so in Greek mythology, Atlas holds the world on his shoulders as a punishment from Zeus. |
| 0:45.1 | Every time I see an image of Atlas, it makes me think about the modern reality of debt to people struggling under its weight. |
| 0:46.7 | It can feel like a perpetual burden. |
| 0:51.6 | And it's not like you're going rucking, a little jaunt where you can take off that pack if you want. |
| 0:55.2 | And Jade Wershaw, she knows that burden of debt well. |
| 1:00.4 | She paid off almost half a million dollars in consumer debt over the better half of a decade. |
| 1:05.0 | And now she uses her harder knowledge to teach others how to do the same. |
| 1:10.8 | She's a Ramsey personality. She is the author of the new book, what no one tells you about money. |
| 1:12.9 | Jade, I'm really excited to talk to you. |
| 1:14.2 | Thank you for joining me today on the podcast. |
| 1:15.6 | Thank you so much, Joel. |
| 1:26.3 | I loved that visual you started out with, by the way. So good. Atlas. It's true. I mean, think of it like the weight of the world on your shoulders. it can feel like that, especially when you had as much debt as you had, |
| 1:28.8 | which is going to be my second question to you. |
| 1:49.3 | But the first one I have to ask you is what do you like to splurge on? Craft beer is my thing. But what is your craft beer equivalent? What are you splurging on while you're still doing smart stuff with your money in the meantime? Plants. Plants. Plants? Anything green that can live inside of my house is the thing. What was the last plant you got? And I know fiddly figs, we have a fiddly fig that we've been able to keep alive. Those are notoriously difficult to keep alive, right? |
| 1:53.3 | Uh-huh. Yeah, they do. And I have a big one that I actually just moved so I could put my |
| 1:58.0 | Christmas tree up. I just moved it into my kitchen. Fiddly Figg. The last |
| 2:02.4 | thing I bought was probably I bought a kiwi plant. It's like a Dracina. It's really, really pretty. |
| 2:10.1 | It's really tropical. I like tropical plants. I bought yet another Monsterra. I have lots of those. |
... |
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