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Episode 238. “We’re in credit card debt again. Will this ever stop?”

 Ado (33) and Gabby (32) are exhausted by a cycle they can’t seem to escape: getting into credit card debt, paying it off, and then ending up right back where they started. No

How to Avoid Bankruptcy and Actually Get Out of Debt For Good

You can avoid bankruptcy by negotiating with creditors, consolidating debt, increasing income, or using formal debt management programs. You might have more options than you realiz

Credit Card Refinancing vs Debt Consolidation (a Side-by-Side)

Credit card refinancing and debt consolidation both reduce interest and simplify debt, but they take different routes. Refinancing shifts your credit card balance to a 0% APR card

Episode 237. “We bought our dream house. Then he lost his job.”

Karen (45) and Chad (44) built their lives around a high income: buying their dream home in a high-cost city and raising three kids with confidence in the future. But when Chad los

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Ramit’s best advice, straight to your inbox.

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