Explore every episode of the podcast Get the Hell Out of Debt

This encore episode has essential advice on keeping personal money out of your business and building a company that can sustain itself. Erin advises against bailing out your business with personal funds, emphasizing the importance of generating revenue, managing cash flow, and avoiding unnecessary debt. Learn why a business must be self-sustaining and profitable, and how strategies like allowing your business to pay itself first can help create a thriving, cash-happy business.  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. Head to AirDoctorPro.com and use promo code ERIN to get up to $300 off any of their select AirDoctor models, plus you get a 3-year warranty free! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Revisit this encore episode for its clear, practical guidance on paying yourself without starving your business of the cash it needs to grow. Ever poured your heart, and countless hours, into a business while your bank account stays stubbornly quiet? Erin and Keri tackle the money talk too many women avoid: when to finally start paying yourself. Erin reveals how to balance loans, cash flow, and your own well-being so your dream doesn’t turn into a resentful, unpaid gig. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. Head to AirDoctorPro.com and use promo code ERIN to get up to $300 off any of their select AirDoctor models, plus you get a 3-year warranty free! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

This encore episode is worth another listen for its practical breakdown of how business owners can build a financial safety net without losing focus on growing their business. If you’re juggling credit card debt and trying to grow your business without losing your mind, this episode is your new secret weapon. Erin and Keri talk about how to stop reacting and start planning strategically, when to ask for help, and why “perfect” is the enemy of progress. Subscribe to this podcast if you want to quickly get unstuck for good. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. Head to AirDoctorPro.com and use promo code ERIN to get up to $300 off any of their select AirDoctor models, plus you get a 3-year warranty free! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

This encore returns as a timeless reminder that caring about someone doesn’t mean taking responsibility for their choices. A listener sent in a question about her friend's whopping 40% 'murder interest' - Erin has some opinions about this! Listen in for insightful tips on how to navigate the tricky waters of finance and friendships.  Join our online community: www.getthehelloutofdebt.com  Thanks to our podcast sponsors!  Make your bed your favourite place to be this season with Quince. Download the Quince app for app-exclusive offers, or visit Quince.com/SKYE for free shipping and 365-day returns. Now available in Canada and the UK. Cut your wireless bill with a new plan for just $15 a month from Mint Mobile. Visit MintMobile.com/SKYE to get started. That’s it, there’s no catch! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

The path to financial progress isn’t always perfect, and knowing how to keep moving forward is a lesson worth hearing again. Emily sent in a note asking how to learn from and get over their mistakes quicker while they are paying off debt. Erin outlines 5 main pitfalls couples face as they work to Get The Hell Out Of Debt, and she offers practical advice on overcoming your financial missteps.  Join our online community: www.getthehelloutofdebt.com  Thanks to our podcast sponsors!  Make your bed your favourite place to be this season with Quince. Download the Quince app for app-exclusive offers, or visit Quince.com/SKYE for free shipping and 365-day returns. Now available in Canada and the UK. Cut your wireless bill with a new plan for just $15 a month from Mint Mobile. Visit MintMobile.com/SKYE to get started. That’s it, there’s no catch! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

This encore episode offers a practical framework for turning an expensive mistake into a useful lesson and building stronger financial habits afterward. She wanted an affordable way to get around. He wanted to upsell a bike. Can you guess who won? What happens next isn’t about shame, it’s about reclaiming control. Erin and Keri peel back the layers of impulse spending, sneaky marketing tricks, and the “one little treat” mentality that keeps so many smart women stuck. They might just change how you handle your next Target run. Join our online community: www.getthehelloutofdebt.com  Thanks to our podcast sponsors!  Make your bed your favourite place to be this season with Quince. Download the Quince app for app-exclusive offers, or visit Quince.com/SKYE for free shipping and 365-day returns. Now available in Canada and the UK. Cut your wireless bill with a new plan for just $15 a month from Mint Mobile. Visit MintMobile.com/SKYE to get started. That’s it, there’s no catch! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Sophie Grace website: https://www.sophiegrace.ca/ Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re replaying this episode because Nicole and Michael show what can happen when two people stop waiting to feel motivated at the same time and start working the same plan. For Nicole and Michael, Erin’s book Get The Hell Out Of Debt showed up at exactly the right time. What started as curiosity quickly turned into action, and that action turned into over $53,000 in debt paid off. If you’ve ever felt like you and your partner are taking turns being “the motivated one,” this story is for you.  With two kids, busy careers, and the rising costs of everyday life, finding Get the Hell Out of Debt gave them a process they could both commit to and the structure they needed. Listen to this episode to learn how they did it! Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by OneSkin. OneSkin is helping you unlock your healthiest skin now and as you age. For a limited time, try OneSkin with 15% off using code ERIN at oneskin.co/ERIN  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jessica’s story is the kind of reminder worth hearing twice: lasting financial change doesn’t come from doing money perfectly, but from finding a way forward that actually works for your life. For Jessica, hitting her breaking point didn’t come with perfect timing or a clear plan, just a realization that she was done living a life that didn’t feel like hers. What followed wasn’t about restriction or extremes, but a different way of approaching money that actually fit her real life. If you’ve ever thought, “I can’t do this again,” this story will feel familiar in the best way. Jessica shares with Erin and Keri how years of trying to manage money in ways that didn’t stick led her to something more sustainable - one that allowed for real life, real relationships, and real progress. From navigating financial decisions in her marriage to finding a rhythm that worked for her, this episode digs into how Erin and Get The Hell Out Of Debt changed Jessica’s whole world. Join Jessica in our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by OneSkin. OneSkin is helping you unlock your healthiest skin now and as you age. For a limited time, try OneSkin with 15% off using code ERIN at oneskin.co/ERIN  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We chose this episode for an encore because Suzanne’s story is a powerful reminder that getting your money handled can change far more than your bank balance. What happens when a capable, high-achieving woman realizes her biggest financial issue isn’t income or intelligence…it’s avoidance. Suzanne walks through the mindset shifts, habits, and decisions that helped her move from overwhelmed to steady, and from debt stress to long-term planning, thanks to Erin and Get The Hell Out Of Debt.  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by OneSkin. OneSkin is helping you unlock your healthiest skin now and as you age. For a limited time, try OneSkin with 15% off using code ERIN at oneskin.co/ERIN  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

This one was worth bringing back because the question hasn’t changed, and neither has the fact that there’s no one-size-fits-all answer. Erin takes on the most asked mortgage question and it's not as simple as you might think. If you’ve ever felt the pressure to make “the smart move” without really knowing what that means for your unique situation, listen up! Erin’s got some surprising insight that just might change how you build wealth. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AquaTru. Head to AquaTru.com now and get 20% off your purifier using promo code ERIN. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We tend to put off the thing that protects us the most, which is exactly why this episode is worth another listen. It’s one of the simplest ways to safeguard the people you love from a financial mess. Find out what financial product Erin avoids because she is an introvert. Listen to hear how it turned her into an extrovert. Canadians! Here is the best way we have found to get your life and critical illness insurance:  Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AquaTru. Head to AquaTru.com now and get 20% off your purifier using promo code ERIN.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We chose this episode for an encore because building wealth gets a whole lot easier when you stop guessing about your future and start making decisions today that actually shape it. You're not reckless, but you are ready for more. More security, more freedom, more “I’ve got this” energy when it comes to your money. Erin breaks down the surprisingly simple (but wildly overlooked) habits that help you grow wealth with intention. It’s time to stop winging it, and start planning like your future depends on it. Because it does. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AquaTru. Head to AquaTru.com now and get 20% off your purifier using promo code ERIN.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Parenting can feel expensive and overwhelming, so we're bringing back this conversation because it's practical advice on balancing your family's finances with what matters most.  How do you manage money when you have a lot of kids who are busy?  Join our online community: www.getthehelloutofdebt.com  Thanks to AirDoctor for supporting today's episode. Head to AirDoctorPro.com and use promo code ERIN to get up to $300 off ANY of their select AirDoctor models, plus you will get a 3-year warranty, absolutely free! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

This conversation is a timely reminder that the adults in a child's life can shape their financial future simply by asking better questions and creating opportunities to learn. Shanna is a financially savvy auntie who wants to teach the kids in her life about money without overstepping with the parents. This episode covers how to be a positive financial role model and help the next generation develop strong money habits.  Join our online community: www.getthehelloutofdebt.com  Thanks to AirDoctor for supporting today's episode. Head to AirDoctorPro.com and use promo code ERIN to get up to $300 off ANY of their select AirDoctor models, plus you will get a 3-year warranty, absolutely free! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We brought this conversation back because Erin's perspective on when debt may actually align with your values is one of the most thought-provoking discussions we've ever had. Are you wondering how people actually afford babies, especially if you have to go about it in a non-traditional way? Whether you’re contemplating IVF, freezing eggs, or just freezing with anxiety over the price tag, this episode gets real about what happens when your biological clock and bank account aren’t quite in sync. Join our online community: www.getthehelloutofdebt.com  Thanks to AirDoctor for supporting today's episode. Head to AirDoctorPro.com and use promo code ERIN to get up to $300 off ANY of their select AirDoctor models, plus you will get a 3-year warranty, absolutely free! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is one of our most important conversations about unexpected money. Erin is adamant about safeguarding financial windfalls. She teaches how important it is to build your money muscles first, then create something bigger and better with your money that can become a legacy.  Join our online community: www.getthehelloutofdebt.com  This episode is sponsored by Mint Mobile. Get premium wireless starting at just $15/month by visiting mintmobile.com/skye. And if you're ready to upgrade the everyday things you use most, Quince offers beautifully made essentials with free shipping and 365-day returns at quince.com/skye.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're bringing this episode back because it's one of our best reminders that getting out of debt is only half the journey. Erin will help you figure out whether you should pause contributions while paying off debt or whether you need to get into the market NOW - and how to make sure your investments are set up for real growth. Join our online community: www.getthehelloutofdebt.com  This episode is sponsored by Mint Mobile. Get premium wireless starting at just $15/month by visiting mintmobile.com/skye. And if you're ready to upgrade the everyday things you use most, Quince offers beautifully made essentials with free shipping and 365-day returns at quince.com/skye.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're revisiting this episode because it's a masterclass in turning overwhelming debt into an actionable plan. Vicki has some debt and she wants to understand the process. Erin and Keri talk through her options.  Join our online community: www.getthehelloutofdebt.com  This episode is sponsored by Mint Mobile. Get premium wireless starting at just $15/month by visiting mintmobile.com/skye. And if you're ready to upgrade the everyday things you use most, Quince offers beautifully made essentials with free shipping and 365-day returns at quince.com/skye.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're bringing back this episode because changing your finances starts with changing the way you think, feel, and show up around money. It's something that is often misunderstood, but it's the key to everything. You want to change your health? You need this characteristic. You want better relationships? You need this characteristic. You want to end your money struggles? Work on this characteristic.  Join our online community: www.getthehelloutofdebt.com  Thanks to Mint Mobile for sponsoring this episode. Get premium wireless starting at just $15/month by visiting mintmobile.com/skye.And thanks to Quince for supporting the podcast! Upgrade your everyday with beautifully made essentials and get free shipping plus 365-day returns at quince.com/skye.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're revisiting this episode because lasting financial change begins with healing your relationship with money and yourself. Get ready to bookmark this episode! Aeriss says money is making her sick. Erin shares powerful techniques to shift from a mindset of scarcity and frustration to one of gratitude and abundance. Discover how small lifestyle changes can ease stress and support positive financial habits.  Join our online community: www.getthehelloutofdebt.com  Thanks to Mint Mobile for sponsoring this episode. Get premium wireless starting at just $15/month by visiting mintmobile.com/skye.And thanks to Quince for supporting the podcast! Upgrade your everyday with beautifully made essentials and get free shipping plus 365-day returns at quince.com/skye.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're revisiting this episode because learning to become more resourceful can change your finances faster than waiting for more resources. What if birthdays didn’t cost you money but rather made you money? Erin and Keri share an ingenious idea from inside the Get the Hell Out of Debt community that turns clutter into cash and generosity into momentum. This episode is all about using creativity to crush debt, build confidence, and rethink what it really means to have enough. Join our online community: www.getthehelloutofdebt.com  Thanks to Mint Mobile for sponsoring this episode. Get premium wireless starting at just $15/month by visiting mintmobile.com/skye.And thanks to Quince for supporting the podcast! Upgrade your everyday with beautifully made essentials and get free shipping plus 365-day returns at quince.com/skye.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Encore episode, we bringing back a favorite because learning how to navigate money as a couple is one of the most important conversations you'll ever have. Sometimes love, partnership, and money just don’t split evenly, and it shows up in your bank balance before it shows up in your relationship. Erin and Keri walk through what happens when one partner’s money is building wealth, while the other is bailing out the canoe. If you’ve ever paid more than your fair share and then had to pretend it was no big deal? This one's for you. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to quince.com/skye for free shipping on your order and 365-day returns.   Thanks to Mint Mobile for sponsoring today’s episode. Cut your wireless bill to 15 bucks a month at mintmobile.com/skye. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're bringing back this Encore episode to revisit one of our most valuable conversations about money and relationships.  An amazing woman in the Get The Hell Out Of Debt community is just days away from crushing $70K in consumer debt. Cue the confetti! But her partner hasn’t started his journey. Should she pitch in and help him pay off debt? This episode dives deep into the dynamics of money, relationships, and the emotional tug-of-war so many women face when it comes to ‘doing it all.’ Join our online community: ⁠www.getthehelloutofdebt.com⁠  Today’s episode is brought to you by Quince. Go to ⁠quince.com/skye⁠ for free shipping on your order and 365-day returns.   Thanks to Mint Mobile for sponsoring today’s episode. Cut your wireless bill to 15 bucks a month at ⁠mintmobile.com/skye⁠. Leave us a voicemail message here: ⁠www.speakpipe.com/erinskyekelly⁠  Purchase⁠ Get The Hell Out Of Debt⁠ and⁠ Naked Money Meetings⁠ online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

As part of our Encore summer, we're bringing back this episode to help you make smarter, more confident money decisions. Is a 25-year mortgage really a bigger commitment than marriage? Keri and Erin share their own experiences of buying property before getting engaged, the pitfalls they didn’t see coming, and the protections they’d insist on now. Erin has some smart financial wisdom for anyone considering mixing love and real estate. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to quince.com/skye for free shipping on your order and 365-day returns.   Thanks to Mint Mobile for sponsoring today’s episode. Cut your wireless bill to 15 bucks a month at mintmobile.com/skye. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're bringing back this episode to help you build a healthier, more empowering money mindset. Most people are stressed about money not only because of the actual numbers in their bank account, but because money represents safety, stability, and self-worth. When any of those feel threatened, stress skyrockets. Today we will create positive associations with money and you’ll get richer doing it.  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Air Doctor Pro. Go to AirDoctorPro.com and use promo code: ERIN to get up to $300 off ANY of their select AirDoctor models, plus you get a 3-year warranty absolutely FREE!  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're bringing back this episode to revisit one of the most important financial fundamentals. It truly is the key to your success.  There’s a number in your life that knows all your secrets. It knows about the credit card debt, the student loans, the Target runs, and that savings account you swear you’ll grow someday. It’s your net worth, and it’s time to make friends with it. Erin and Keri discuss how tracking this one thing could transform your money mindset forever. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Air Doctor Pro. Go to AirDoctorPro.com and use promo code: ERIN to get up to $300 off ANY of their select AirDoctor models, plus you get a 3-year warranty absolutely FREE!  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's summer Encore is the perfect place to start. Whether you're brand new to the podcast or looking for a refresher, these financial fundamentals are worth revisiting. Starting strong with your money doesn’t have to be overwhelming. Erin is breaking down the 3 things you can do right away to get started. Have a listen for your easy entry point, plus get a little confidence boost if you are ready to take control of their finances. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Air Doctor Pro. Go to AirDoctorPro.com and use promo code: ERIN to get up to $300 off ANY of their select AirDoctor models, plus you get a 3-year warranty absolutely FREE!  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

When a listener asks how to stop slipping back into old shopping habits during a season of major life changes, Erin offers a perspective that challenges the way most people think about spending, self-worth, and financial success. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye. Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available for our Canadian listeners, too! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a reason some people can walk into a room, speak for a few minutes, and suddenly have everyone leaning in. In this episode, Erin and Keri explore that “It Factor” with author and presentation expert, Colin Boyd. If you’ve ever avoided speaking up, undersold your ideas, or wondered how others seem to communicate with so much ease, this conversation will shift how you see your own voice. Colin Boyd is an expert in high-impact communication and persuasive speaking, helping entrepreneurs and professionals turn their knowledge into clear, confident messaging that drives action. His frameworks blend storytelling, audience psychology, and practical speaking skills to help people communicate in a way that feels authentic while creating real-world results. Get Colin’s book here: https://amzn.to/4figJvi  You can find Colin online at https://www.instagram.com/colinboyd/  Colin’s websites:  https://onepresentationawaybook.com https://conversionstoryformula.com Today’s episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye. Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available for our Canadian listeners, too! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin and Keri look at the everyday habits, hidden assumptions, and seemingly harmless decisions that slowly erode trust, wealth, and financial freedom. Tune in for an honest conversation about how telling the truth might be the most profitable financial move you can make. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye. Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too! Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hear ye, hear ye: the people are fed up. As we prepare for the long weekend, Erin and Keri read listener declarations proclaiming freedom from all kinds of nonsense. Grab a hot dog, wave a tiny flag, and prepare to see yourself in at least one of these declarations. Join our online community to share your own declaration: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin and Keri discuss a real life TikTok scenario that highlights the difference between giving kids money and teaching them how to use it. Have a listen for Erin’s practical ideas for building financial literacy, how to encourage responsibility, and the best way to help the next generation develop habits that can serve them for decades. Check out the featured TikTok mom here: https://www.tiktok.com/@thats_inappropriate  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye.I Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

A listener calls in with a dilemma that sparks a conversation about career identity, self-worth, boundaries, workplace culture, and the stories we tell ourselves about money. Erin challenges some common beliefs about career moves and offers a perspective that could change the way you think about your next opportunity. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin shares a framework for navigating uncertainty without losing momentum, and explains why some people will emerge stronger from this transition than ever before. This episode is about more than AI - it's about building a life that can withstand change. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

A listener wrestling with a debt payoff decision sparks a conversation about momentum, motivation, integrity, and why the "best" financial choice isn't always straightforward. If you change your plan halfway through, are you being flexible or sabotaging yourself?  If you have a budget-friendly food you want Erin to try, leave us a voicemail here: www.speakpipe.com/erinskyekelly  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye. Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

A  listener has a student loan question that sits right in that grey area. Erin goes through the hidden trade-offs that come with borrowing, saving, investing, and trying to squeeze extra value from money that isn't technically yours yet.  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order of everything, including bedding. Quince is available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin and Keri hear from a listener whose dad recently passed away. They discuss what happens when grief, family, responsibility, and money all arrive at once. How do you manage emotional spending, decision fatigue, and the pressure of honoring someone you love?  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. Join Erin and 98% of AirDoctor’s customers who say their homes feel cleaner, safer, and healthier. Go to airdoctorpro.com and use promo code Erin to get $250 off your purchase.   Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a particular kind of exhaustion that comes from trying to hold everything together: the kids, the bills, the unexpected expenses, the pressure to “do it right.” Erin has insight for when your emergency fund keeps disappearing, your motivation starts fading, and you’re tempted to stop trying altogether. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. Join Erin and 98% of AirDoctor’s customers who say their homes feel cleaner, safer, and healthier. Go to airdoctorpro.com and use promo code Erin to get $250 off your purchase.   Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve ever felt guilty saying “no” to your kids while trying to get your financial life together, this episode is going to hit close to home. Erin answers a listener question every parent of a teenager will recognize: how do you explain budgeting, debt payoff, and financial priorities to a teen who just wants to live their best life right now?  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. Join Erin and 98% of AirDoctor’s customers who say their homes feel cleaner, safer, and healthier. Go to airdoctorpro.com and use promo code Erin to get $250 off your purchase.   Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

A new idea. A new opportunity. A new direction that feels just exciting enough to pull you off track. But what if that pull isn’t wisdom… it’s pattern recognition? Erin and Keri explore what it really costs when you switch goals right as you’re about to finish the most important one. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

A listener is at a real-life crossroads where a lump sum of money and a new business opportunity are colliding. Erin and Keri dig into how to tell the difference between a true investment and a well-timed distraction, why due diligence matters more than enthusiasm, and what questions reveal whether something is built to last, or built to sell you on the idea quickly. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye.   Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a moment in almost every financially aware woman’s life where she has to decide: stay with predictable income or step into something that depends more on performance, effort, and belief in herself. On paper, it looks like a practical comparison. In reality, it rarely is. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

When a male listener asks whether this podcast could speak more directly to men, Erin shares why this space was created the way it was, and why that choice wasn’t accidental. Men, we want to hear from you! Do you feel alienated in a room where women are gathered? Share your thoughts with us here: www.speakpipe.com/erinskyekelly  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye.  Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Picture this: you’re at the checkout and your total goes over your budget. Do you let the cashier carry on and deal with the repercussions later? Or do you stop them and ask to put something back? Your choice says more about your relationship with money than you think.  Join our online community: www.getthehelloutofdebt.com  Find Erin’s friend, Mark Groves, on Instagram - @itsmarkgroves  Today’s episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye.  Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!   Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

When a listener questions whether paying for coverage makes sense for aging parents and an older spouse, Erin dives into the uncomfortable - but wildly important - conversation most families avoid. This episode is going to change how you think about one of adulthood’s least glamorous decisions. Erin’s Favorite Canadian Insurance Company:Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef To complete your easy online will, go here:   https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37  CODE: ERIN20  For online affordable and easy wills in America:  https://trustandwill.sjv.io/rQYqnd   Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Mint Mobile. Plans start at $15 a month at MintMobile.com/skye.  Thanks to Quince for being a podcast sponsor! Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

A promotion. A hidden account. A marriage that looks fine on paper... Erin and Keri explore the blurry line between secrecy and self-protection, the financial habits couples fall into without realizing it, and why money conversations often reveal much bigger relationship dynamics.  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye.  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the hardest part of getting out of debt isn’t a lack of discipline… but the price tag attached to being stretched too thin? Erin and Keri get into the uncomfortable reality that sometimes the people with the least wiggle room end up paying the most. Expect surprising examples, a few moments that may hit close to home, and practical perspective that turns frustration into a plan. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye.   Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you been in a situation where someone in your life decided that your emergency was their financial problem? This episode digs into a listener dilemma that sounds like it's about $80 but is actually about something much bigger. Erin's advice is going to make you rethink every friendship where you've ever said yes when you meant no. Have you and your friend group ever gotten into a tricky money situation? Share here: www.speakpipe.com/erinskyekelly  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Quince. Go to Quince.com/skye for free shipping on your order and 365-day returns. Now available in Canada, too!  Thanks to Mint Mobile for being a podcast sponsor! Plans start at $15 a month at MintMobile.com/skye.  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

A routine banking errand turns into a conversation every consumer needs to hear. This episode pulls back the curtain on why accessing your own money can suddenly feel like applying for permission. Erin and Keri connect the dots between modern banking systems, consumer debt, and the quiet ways people are taught to tolerate financial friction without questioning it.  Links to Erin’s fave no-fee bank: https://blue.mbsy.co/6tJFqQ   Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Air Doctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/ Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is for the woman who’s exhausted from trying to hold everything together while convincing herself she should just be grateful for the life she built. Erin and Keri explore the hidden consequences of “dream” purchases, the danger of operating from scarcity, and why creativity disappears when stress takes over. It’s a conversation about finding possibilities again when your finances feel tight, your options feel narrow, and your brain won’t stop doing math at 2 a.m. Get more inspiration from Suzanne’s story here: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000747987916  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Air Doctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/ Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices