What to Do if You Have More Debt Than You Make in a Year
Frugal Friends Podcast
Jen Smith & Jill Sirianni | Backyard Ventures
4.6 • 1.2K Ratings
🗓️ 1 July 2025
⏱️ 54 minutes
🧾️ Download transcript
Summary
Debt can be a scary word, really. It keeps you up at night, brings on the stress, and makes everything feel heavier. But you’re not alone. Once upon a time, Jen and Jill were there too. So in this episode, they’re once again sharing how they got through it and reminding you that it is possible.
🎙️ Get full show notes here!
https://bit.ly/debtbeyondincome
📘 Order the book here
https://bit.ly/BWYL-podcast
💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter
📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/
💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club
👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends
💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/
See omnystudio.com/listener for privacy information.
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Transcript
Click on a timestamp to play from that location
| 0:00.0 | Searching for a romantic summer getaway. Escape with Rich Girl Summer, the new Audible original |
| 0:05.2 | from Lily Chew. The exquisitely talented Philippa Sue, returning to narrate her fifth |
| 0:10.2 | Lily Chew title. This time, Philippa is joined by her real-life husband, Stephen Pasquale, |
| 0:15.5 | set in Toronto's wealthy cottage country, aka the Hamptons of Canada, rich girl Summer follows the story of Valerie, |
| 0:22.1 | a down-on-her-luck event planner posing as a socialite's long-lost daughter, while piecing |
| 0:26.5 | together the secrets surrounding a mysterious family and falling deeper and deeper in love with the |
| 0:31.7 | impossibly hard to read and infuriatingly handsome family assistant, Nico. Caught between pretending to belong |
| 0:38.2 | and unexpectedly finding where she truly fits in, |
| 0:41.3 | Valerie learns her summer is about to get far more complicated |
| 0:44.0 | than she ever planned. |
| 0:45.8 | She's in over her head and head over heels. |
| 0:48.5 | Listen to Rich Girl Summer, now on Audible. |
| 0:51.2 | Go to audible.com slash rich girl summer. |
| 0:53.8 | What to do if you have more debt than you make in a year. |
| 1:01.4 | Welcome to the frugal friends podcast where you'll learn to save money, |
| 1:06.5 | embrace simplicity, and live a rich in your life. |
| 1:11.1 | Here are your host, Jen and Jill. |
| 1:17.6 | Welcome to Frugal Friends podcast. My name is Jen. |
| 1:20.2 | My name is Jill. |
| 1:21.4 | And today we are talking about a thing that so many of us struggle with is having more debt than the amount we earn |
| 1:32.3 | in a year. I was there when I started paying off debt. We had $78,000 of debt, and we did not |
| 1:38.6 | earn $78,000 in a year. But we got it paid off in two years, and we're going to talk about how we did that. |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from Jen Smith & Jill Sirianni | Backyard Ventures, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of Jen Smith & Jill Sirianni | Backyard Ventures and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2026.