1
00:00:00,400 --> 00:00:04,800
Debt doesn't just cost money, it
costs sleep, confidence, 

2
00:00:04,800 --> 00:00:07,720
opportunities, and peace. 
So today we're going to be 

3
00:00:07,720 --> 00:00:12,000
breaking down the real cost, the
invisible cost that people don't

4
00:00:12,000 --> 00:00:14,280
talk about. 
Hey there, I'm Jules, the budget

5
00:00:14,280 --> 00:00:16,360
nerd, and welcome to the Debt 
Rebel show. 

6
00:00:16,440 --> 00:00:19,800
This is the place where working 
families like yours learn how to

7
00:00:19,800 --> 00:00:23,000
stop living paycheck to 
paycheck, crush debt for good, 

8
00:00:23,000 --> 00:00:25,880
and build a life where money 
actually works for your family. 

9
00:00:26,080 --> 00:00:29,960
In about 15 minutes, I'll share 
practical family budgeting tips,

10
00:00:30,240 --> 00:00:33,680
tough love strategies, and the 
actionable steps to move toward 

11
00:00:33,680 --> 00:00:36,560
debt free living without the 
fluff, the shame or the 

12
00:00:36,560 --> 00:00:39,000
confusion. 
And I know a thing or two about 

13
00:00:39,000 --> 00:00:40,960
this. 
My family and I have eliminated 

14
00:00:40,960 --> 00:00:45,760
over $107,000 in consumer debt. 
And that was after I got my 

15
00:00:45,760 --> 00:00:48,400
degree in economics. 
So stay tuned. 

16
00:00:48,560 --> 00:00:50,640
This is going to be a great 
episode. 

17
00:00:50,640 --> 00:00:54,160
So grab that coffee, your 
planner, whatever you need to 

18
00:00:54,160 --> 00:00:57,480
make this a great experience. 
Maybe a snack if you're like me.

19
00:00:57,480 --> 00:00:59,840
And let's make your money work 
for your family. 

20
00:01:00,240 --> 00:01:04,040
That is costing us so much more 
than money. 

21
00:01:04,440 --> 00:01:10,040
It cost us sleep, confidence, 
opportunities, peace, all right?

22
00:01:10,040 --> 00:01:12,760
And it's costing us time with 
our families. 

23
00:01:12,760 --> 00:01:16,640
So today we are going to be 
breaking down the real cost, the

24
00:01:16,640 --> 00:01:19,680
invisible cost, the things that 
we don't like to talk about. 

25
00:01:19,680 --> 00:01:23,200
But today we're here for it and 
we are talking about it. 

26
00:01:23,200 --> 00:01:27,720
So stick around, right? 
Debt cost us so much. 

27
00:01:27,720 --> 00:01:31,240
Oh, if you are brand new to the 
show, First off, welcome. 

28
00:01:31,240 --> 00:01:35,800
I am very glad that you're here.
And second of all, I want to 

29
00:01:35,800 --> 00:01:41,240
share a little bit of a back 
story because so about myself 

30
00:01:41,520 --> 00:01:45,160
because this is going to be 
helpful to understand how much 

31
00:01:45,160 --> 00:01:46,920
debt is actually costing us, 
right? 

32
00:01:47,320 --> 00:01:50,560
I was raised how to live within 
my means. 

33
00:01:50,560 --> 00:01:54,200
I got a degree in economics and 
then my husband and I got 

34
00:01:54,200 --> 00:01:58,600
together and we bought a house 
and a thing is kind of went 

35
00:01:58,600 --> 00:02:01,080
sideways from there. 
So we couldn't make our first 

36
00:02:01,080 --> 00:02:03,920
mortgage payment because we put 
all of our money into buying our

37
00:02:03,920 --> 00:02:07,600
home. 
And then it just got like our 

38
00:02:07,600 --> 00:02:10,039
finances got to be such a 
disaster. 

39
00:02:10,039 --> 00:02:15,320
So we ended up over $107,000 in 
consumer debt, all types, you 

40
00:02:15,320 --> 00:02:18,600
know, credit cards, car 
payments, that kind of stuff. 

41
00:02:18,680 --> 00:02:21,360
And it was, it was out of 
control. 

42
00:02:21,480 --> 00:02:25,400
And so we realized we needed to 
do something differently. 

43
00:02:25,520 --> 00:02:30,600
And so now we are debt free. 
We have a little bit of a 

44
00:02:30,600 --> 00:02:33,560
mortgage left to go and then 
we'll be completely debt free. 

45
00:02:33,560 --> 00:02:35,840
But we don't have any more 
consumer debt, so we don't use 

46
00:02:35,840 --> 00:02:37,920
credit cards to fund our daily 
life anymore. 

47
00:02:38,040 --> 00:02:40,600
I don't even have a credit card 
in my name that I know of. 

48
00:02:40,600 --> 00:02:43,160
That is one of the things. 
A little side note there, I do 

49
00:02:43,160 --> 00:02:46,320
check my credit once a year to 
make sure that there aren't any 

50
00:02:46,320 --> 00:02:50,320
new accounts open in my name. 
My family and I, we've decided 

51
00:02:50,320 --> 00:02:53,000
not to use debt to fund our 
day-to-day life. 

52
00:02:53,080 --> 00:02:57,520
That's why I called the show the
Debt Rebel podcast because we 

53
00:02:57,520 --> 00:03:04,040
found that being debt free to us
was of such high value because 

54
00:03:04,040 --> 00:03:08,000
of the lifestyle that we were 
able to live now versus when we 

55
00:03:08,000 --> 00:03:11,760
quote, UN quote, had all the 
things and we were buying things

56
00:03:11,760 --> 00:03:15,200
and doing things and spending 
money without a plan. 

57
00:03:15,200 --> 00:03:17,880
Our life is so much better now. 
And I think that's one of the 

58
00:03:17,880 --> 00:03:22,720
things I, I could kind of like 
see it in like a OK, like, yeah,

59
00:03:23,440 --> 00:03:26,360
alright. 
And then now that we're there, I

60
00:03:26,360 --> 00:03:29,680
look at my husband and he even 
says that he's like, we are so 

61
00:03:29,680 --> 00:03:33,960
much better now than when we 
were using, you know, credit 

62
00:03:33,960 --> 00:03:35,840
cards for groceries and all that
kind of stuff. 

63
00:03:35,840 --> 00:03:38,320
Like we, our life is so much 
better. 

64
00:03:38,320 --> 00:03:41,600
So we can talk about the dollars
and cents. 

65
00:03:41,600 --> 00:03:46,040
We can talk about the interest 
on credit cards and the loans 

66
00:03:46,040 --> 00:03:49,760
and payments and we can talk 
about the fees that come in and 

67
00:03:49,760 --> 00:03:51,240
when we're late, we missed the 
card. 

68
00:03:51,280 --> 00:03:54,160
We had a credit card for the 
airline miles that we were just 

69
00:03:54,160 --> 00:03:56,920
putting all of our auto pays on 
and paying it every single pay 

70
00:03:56,920 --> 00:03:58,920
period. 
So that never had a balance, but

71
00:03:58,920 --> 00:04:02,160
there were fees to have that 
card and then there were fees. 

72
00:04:02,160 --> 00:04:05,320
There was a fee because I forgot
to pay it in one month because I

73
00:04:05,320 --> 00:04:08,200
lost track of time, which is 
something that happens to me 

74
00:04:08,320 --> 00:04:11,160
very often. 
So we don't have that credit 

75
00:04:11,160 --> 00:04:13,400
card anymore because of a bunch 
of reasons. 

76
00:04:13,400 --> 00:04:15,040
And I still need to record that 
episode. 

77
00:04:15,040 --> 00:04:17,920
Oh my gosh, that's a good one. 
Why we don't have a airline mile

78
00:04:17,920 --> 00:04:21,120
credit card because that's 
something that others will say, 

79
00:04:21,120 --> 00:04:23,560
Hey, you should do this. 
And this is really good for us. 

80
00:04:23,560 --> 00:04:25,520
We found it wasn't. 
And so I'll tell you about that 

81
00:04:25,520 --> 00:04:28,960
in a future episode. 
But we, when you have those 

82
00:04:28,960 --> 00:04:32,480
kinds of things that the dollars
and cents cost of it is you're, 

83
00:04:32,480 --> 00:04:35,840
you're paying, you're spending 
tomorrow's money, which means 

84
00:04:35,840 --> 00:04:40,200
you are losing that future cash 
flow that you could be spending 

85
00:04:40,200 --> 00:04:43,240
on something else. 
And you get into this snowball, 

86
00:04:43,240 --> 00:04:46,560
not the good kind of snowball 
effect where it's like, OK, just

87
00:04:46,760 --> 00:04:49,920
it's just one more payment. 
But when we think it's just one 

88
00:04:49,920 --> 00:04:52,480
more payment and then we have 
more maxed out on all of our 

89
00:04:52,480 --> 00:04:56,680
other things, it can lead to 
some really, it can really lead 

90
00:04:56,680 --> 00:04:59,520
to some stressful times. 
And so this is where we get into

91
00:04:59,840 --> 00:05:03,520
the hidden psychological costs 
that a lot of people don't talk 

92
00:05:03,520 --> 00:05:07,440
about because we might have been
taught not to talk about our 

93
00:05:07,440 --> 00:05:10,000
money. 
And so this is where the shame 

94
00:05:10,000 --> 00:05:14,160
of our money decisions come in. 
So we carry around this debt 

95
00:05:14,160 --> 00:05:18,080
shame with us. 
And so when I say we, I mean I 

96
00:05:18,080 --> 00:05:23,640
have added hello, I had a degree
in economics and I knew, I knew,

97
00:05:23,840 --> 00:05:25,600
right? 
I should have known better, but 

98
00:05:25,760 --> 00:05:28,040
there we were. 
So we, I was carrying around 

99
00:05:28,040 --> 00:05:29,040
that debt. 
Shame. 

100
00:05:29,520 --> 00:05:33,120
I wanted to avoid the things, 
the habits that were going to 

101
00:05:33,120 --> 00:05:36,480
help us put a spending plan in 
place, a budget in place that 

102
00:05:36,480 --> 00:05:39,200
was going to be helpful. 
It put a strain on my 

103
00:05:39,200 --> 00:05:42,360
relationship, let me tell you. 
So my husband and I, we used to,

104
00:05:42,360 --> 00:05:44,640
we used to argue about the 
littlest things. 

105
00:05:44,640 --> 00:05:47,880
And now we, because of the way 
that we have our budget set up 

106
00:05:47,880 --> 00:05:50,840
and then we have our, our money 
management, our money spending 

107
00:05:50,840 --> 00:05:54,560
plan set up, we don't argue 
about money anymore. 

108
00:05:54,560 --> 00:05:57,680
We have discussions about what 
we think is best for the next 

109
00:05:57,680 --> 00:06:00,320
best step. 
Like right now we're talking 

110
00:06:00,320 --> 00:06:03,440
about replacing a vehicle. 
And so we're having a little bit

111
00:06:03,440 --> 00:06:07,320
more conversation about that. 
But we because we have set up 

112
00:06:07,320 --> 00:06:10,480
the system the way that we have,
we don't have that kind of 

113
00:06:10,480 --> 00:06:14,200
tension anymore because we're 
not spending a future stuff 

114
00:06:14,200 --> 00:06:18,560
without talking to each other. 
And the other thing is, is when 

115
00:06:18,560 --> 00:06:23,640
we use, when we use credit and 
debt to fund our life, it helps.

116
00:06:23,640 --> 00:06:26,720
It is it's increasing the 
decision fatigue. 

117
00:06:26,720 --> 00:06:29,440
So what I mean by that is you're
going to go back and you're 

118
00:06:29,440 --> 00:06:32,600
going to, you'll see, OK, I got 
my credit card statement this 

119
00:06:32,600 --> 00:06:35,040
month. 
And then not only do you have an

120
00:06:35,040 --> 00:06:37,920
extra payment to make because, 
but you're also going to be 

121
00:06:37,920 --> 00:06:41,720
looking back at like those past 
decisions and you have more 

122
00:06:41,720 --> 00:06:44,080
stuff to ruminate and think 
about. 

123
00:06:44,120 --> 00:06:48,680
And so when I spend money, I 
spend it one time and I spend it

124
00:06:48,680 --> 00:06:50,560
with intention because it's in 
our budget. 

125
00:06:50,920 --> 00:06:54,360
And yes, there are some things 
that are a little bit more loose

126
00:06:54,720 --> 00:06:58,040
so that I'm not like, OK, I know
I'm going to, I know I'm going 

127
00:06:58,040 --> 00:07:01,520
to buy a pair of shoes on 
Wednesday afternoon at 1:00 PM. 

128
00:07:01,520 --> 00:07:04,640
It's not like that. 
So it's going to help you when 

129
00:07:04,640 --> 00:07:08,640
you live with it, when you live 
within your means and you have 

130
00:07:08,640 --> 00:07:10,760
this budget set up, it's going 
to cut down on that decision 

131
00:07:10,760 --> 00:07:13,840
fatigue. 
All right, And this one, the one

132
00:07:13,840 --> 00:07:18,320
day I'll get a head feeling or 
that constant thought of like 

133
00:07:18,720 --> 00:07:20,240
one day I'm going to figure this
out. 

134
00:07:20,360 --> 00:07:26,720
That right there is so taxing on
our emotions and our mental 

135
00:07:26,720 --> 00:07:30,160
health because it is just one of
those things where you just 

136
00:07:30,160 --> 00:07:32,400
don't feel like you can get 
ahead. 

137
00:07:32,400 --> 00:07:35,840
So those are some of the 
psychological costs, rate of 

138
00:07:35,840 --> 00:07:39,640
debt. 
So let's talk about the ways 

139
00:07:39,640 --> 00:07:43,280
that debt is costing us in our 
day-to-day life. 

140
00:07:43,920 --> 00:07:46,760
So this is a big one for my 
family. 

141
00:07:46,760 --> 00:07:49,840
Some of the things that it can 
be costing you are delayed 

142
00:07:49,840 --> 00:07:52,560
goals. 
Maybe you have less flexibility 

143
00:07:53,000 --> 00:07:56,440
and you're missing out on some 
experiences or you're setting, 

144
00:07:56,440 --> 00:07:59,960
you're settling for that 
survival mode instead of 

145
00:08:00,040 --> 00:08:03,520
building wealth and then 
creating a life for your family 

146
00:08:03,760 --> 00:08:06,400
that you want. 
So what I mean by all these 

147
00:08:06,400 --> 00:08:10,320
things are this is the perfect 
example when and my husband and 

148
00:08:10,320 --> 00:08:14,400
I set a goal to become debt 
free, We didn't know what was 

149
00:08:14,400 --> 00:08:17,480
coming next, right? 
So we just knew that this way of

150
00:08:17,480 --> 00:08:21,440
life was not serving us anymore 
and we needed to make some 

151
00:08:21,440 --> 00:08:24,840
decisions and we needed to make 
a plan that was going to work 

152
00:08:24,840 --> 00:08:27,880
for us because one, we didn't 
want it to end our marriage, but

153
00:08:27,880 --> 00:08:34,919
also we were just tired and we 
didn't want to we didn't want to

154
00:08:34,919 --> 00:08:39,760
do that anymore. 
So Fast forward, we renewed our 

155
00:08:39,760 --> 00:08:42,440
wedding vows at 10 years, which 
just happened to be our debt 

156
00:08:42,440 --> 00:08:44,400
free celebration. 
We had a little party with our 

157
00:08:44,400 --> 00:08:46,880
friends, renewed our wedding 
vows, it was really fun. 

158
00:08:47,320 --> 00:08:50,400
And then the next month I got 
pregnant with my daughter. 

159
00:08:50,720 --> 00:08:52,400
We thought we couldn't have kids
of our own. 

160
00:08:52,400 --> 00:08:57,560
My husband's oldest is well, 21 
years older than her younger 

161
00:08:57,560 --> 00:09:00,840
sister. 
One of the things that is so 

162
00:09:00,840 --> 00:09:05,720
that I am so grateful for in the
fact that we had set that goal 

163
00:09:05,720 --> 00:09:10,040
and we worked really hard to get
there was now that my, at that 

164
00:09:10,040 --> 00:09:12,680
point, my daughter was coming 
along as a couple, we were able 

165
00:09:12,680 --> 00:09:15,920
to make that decision whether or
not one of us is going to stay 

166
00:09:15,920 --> 00:09:18,840
home to be with her. 
In those earlier years, we could

167
00:09:18,840 --> 00:09:23,160
make those decisions based on 
what we wanted our life to look 

168
00:09:23,160 --> 00:09:25,360
like versus a financial 
decision. 

169
00:09:25,880 --> 00:09:30,400
So it gave us that flexibility, 
but it also meant that we 

170
00:09:30,400 --> 00:09:33,080
weren't going to have to miss 
out on certain things because we

171
00:09:33,080 --> 00:09:36,400
needed to go to work to pay for 
our debts, pay for things that 

172
00:09:36,400 --> 00:09:39,320
we'd already purchased. 
We could pay for today, today. 

173
00:09:39,320 --> 00:09:42,440
And so, yeah, we had to shift 
our life around a little bit 

174
00:09:42,440 --> 00:09:45,760
because we weren't going to have
a second income anymore. 

175
00:09:46,080 --> 00:09:49,080
But we were fine. 
We were had, we had all of our 

176
00:09:49,080 --> 00:09:51,920
needs met. 
We our expenses were a lot lower

177
00:09:51,920 --> 00:09:56,840
because we weren't paying 5800, 
you know, 508 hundred thousand 

178
00:09:56,840 --> 00:10:01,320
dollars, $2000 a month in debt. 
Fast forward after my daughter 

179
00:10:01,320 --> 00:10:04,920
was born, my younger sister was 
diagnosed with breast cancer and

180
00:10:05,440 --> 00:10:09,080
I was staying home with my 
daughter at the time and my 

181
00:10:09,080 --> 00:10:12,560
sister has three young girls. 
As my sister was going through 

182
00:10:13,200 --> 00:10:17,400
her surgeries and her 
chemotherapy and her radiation, 

183
00:10:17,400 --> 00:10:21,200
all of her doctor's 
appointments, I was able to go 

184
00:10:21,200 --> 00:10:23,680
with her. 
I was able to be there for my 

185
00:10:23,680 --> 00:10:28,240
nieces and to be there for my 
sister, which God forbid, I hope

186
00:10:28,240 --> 00:10:30,280
no one has to go through that 
experience ever. 

187
00:10:30,280 --> 00:10:33,560
It's terrible. 
But I am so grateful because we 

188
00:10:33,560 --> 00:10:37,720
had our finances organized the 
way that we did that I was able 

189
00:10:37,720 --> 00:10:40,040
to be there with her. 
And so when we talk about 

190
00:10:40,040 --> 00:10:43,600
missing out on experiences, I'm 
not necessarily talking about 

191
00:10:43,600 --> 00:10:47,480
like missing out on a Disneyland
trip or all of those things are 

192
00:10:47,480 --> 00:10:49,920
fantastic. 
But I'm talking about we don't 

193
00:10:49,920 --> 00:10:53,280
know what tomorrow holds. 
And when we have those 

194
00:10:53,280 --> 00:10:56,400
opportunities to be there for 
people that we care about and 

195
00:10:56,400 --> 00:10:59,960
that we love, there's no price 
tag for that. 

196
00:11:00,120 --> 00:11:05,280
And so when I talk about the 
debt is costing us in big ways, 

197
00:11:05,560 --> 00:11:09,120
this could be 1. 
And so we didn't know what the 

198
00:11:09,200 --> 00:11:11,920
what was coming. 
But those are two big things 

199
00:11:11,920 --> 00:11:14,920
that have changed. 
I have changed my life in a 

200
00:11:14,920 --> 00:11:17,240
really huge way because we set 
that goal. 

201
00:11:17,640 --> 00:11:20,640
My husband and I, we don't, we 
don't operate in survival mode 

202
00:11:20,640 --> 00:11:27,240
anymore because we don't have to
worry about, you know, a $2000, 

203
00:11:27,400 --> 00:11:30,560
you know, payments for all of 
our debts. 

204
00:11:30,800 --> 00:11:35,760
We just spend with what we what 
we have and we have created a 

205
00:11:35,760 --> 00:11:38,520
lifestyle for ourselves that 
works in that way. 

206
00:11:39,920 --> 00:11:44,360
The other thing is when we got 
out of debt, it felt like this, 

207
00:11:45,520 --> 00:11:48,440
like the interesting feeling 
was, you know, I kind of talked 

208
00:11:48,440 --> 00:11:51,440
about it before, like my 
husband's like, yeah, we're we 

209
00:11:51,440 --> 00:11:53,840
feel like they're doing a lot 
better than we were when we had 

210
00:11:53,840 --> 00:11:56,120
all of this debt, right. 
And so, you know, I talked a 

211
00:11:56,120 --> 00:11:58,320
little bit about this already. 
We already have we have more 

212
00:11:58,320 --> 00:12:00,880
control. 
And so while we don't know what 

213
00:12:00,880 --> 00:12:03,840
tomorrow holds, it could be 
really amazing things and it 

214
00:12:03,840 --> 00:12:06,440
could be something that we don't
want. 

215
00:12:06,680 --> 00:12:09,480
It could be some really amazing 
things and then it could be some

216
00:12:09,480 --> 00:12:12,960
things that are not so amazing. 
But when we have maxed out 

217
00:12:12,960 --> 00:12:17,280
ourselves financially, then it 
doesn't allow us to show up in 

218
00:12:17,280 --> 00:12:20,880
other ways that we want for our 
family and for our loved ones. 

219
00:12:20,880 --> 00:12:25,400
So one of the things too that we
found was getting out of debt 

220
00:12:25,400 --> 00:12:27,720
felt like we were giving 
ourselves a raise. 

221
00:12:27,720 --> 00:12:31,840
And so it was really interesting
because when we we shifted from 

222
00:12:31,880 --> 00:12:35,520
that mentality of just, you 
know, just put it on a credit 

223
00:12:35,520 --> 00:12:37,040
card and we'll deal with it 
later. 

224
00:12:37,400 --> 00:12:41,000
And then just spending the money
that we had, life became a lot 

225
00:12:41,400 --> 00:12:45,080
easier to manage. 
So one, we had more energy. 

226
00:12:45,640 --> 00:12:48,000
And I'm not talking necessarily 
about like, you know, physical 

227
00:12:48,000 --> 00:12:51,160
energy or anything like that, 
but like we had more energy to 

228
00:12:51,160 --> 00:12:55,760
like think like positively. 
And not until I dream about 

229
00:12:55,760 --> 00:12:59,160
things again, because we didn't 
feel like we were, we were stuck

230
00:12:59,160 --> 00:13:01,680
anymore. 
We had more control over our 

231
00:13:01,680 --> 00:13:05,920
life because we didn't have to 
make payments to someone that 

232
00:13:05,920 --> 00:13:08,160
had control over us when we owed
money. 

233
00:13:08,200 --> 00:13:13,160
And then we just generally had a
we just felt more confident in 

234
00:13:13,160 --> 00:13:16,040
our spending. 
When we spend money now, it's 

235
00:13:16,040 --> 00:13:20,240
not this, this anxiety or it's 
not a negative feeling. 

236
00:13:20,240 --> 00:13:22,640
It's this is going to accomplish
our goal. 

237
00:13:23,000 --> 00:13:26,760
And sometimes the goal is to 
like have a really fun Saturday 

238
00:13:26,760 --> 00:13:30,720
afternoon with our daughter at 
the arcade or sometimes it's 

239
00:13:30,720 --> 00:13:32,320
doing something else. 
It doesn't. 

240
00:13:32,480 --> 00:13:34,760
When I am, when I talk about 
that kind of stuff, it doesn't 

241
00:13:34,760 --> 00:13:38,320
necessarily have to be these, 
you know, these big things. 

242
00:13:38,320 --> 00:13:41,320
It could be what do you want 
your life to look like? 

243
00:13:41,600 --> 00:13:44,240
What are some things you want 
experiences you want to give 

244
00:13:44,240 --> 00:13:48,840
your family and be able to 
organize your money so that 

245
00:13:48,840 --> 00:13:52,280
you're able to do those things. 
And so one of the things, the 

246
00:13:52,280 --> 00:13:56,280
thing that we have found is not 
having debt because one, it's 

247
00:13:56,280 --> 00:14:00,280
expensive, not just the 
financial cost, but like we just

248
00:14:00,280 --> 00:14:03,640
talked about all of the, and the
emotional costs and things like 

249
00:14:03,640 --> 00:14:06,720
that. 
So that's why I'm super excited 

250
00:14:06,720 --> 00:14:12,040
about what's coming in 2026 
because we, when I mean, we, I 

251
00:14:12,040 --> 00:14:17,440
mean, you and I, listeners of 
this show are going to, and I'm 

252
00:14:17,440 --> 00:14:21,200
going to lead you through this 
because I'm so excited and I see

253
00:14:21,200 --> 00:14:26,240
so much value in this is 
eliminating $1,000,000 of debt 

254
00:14:26,360 --> 00:14:31,520
in 2026. 
So in 2026, this show is going 

255
00:14:31,520 --> 00:14:35,120
to help make a massive dent in 
America's debt problem. 

256
00:14:35,400 --> 00:14:37,680
And so I'm not talking about our
national debt. 

257
00:14:37,680 --> 00:14:42,920
I am talking about your debt. 
So let's eliminate $1,000,000 of

258
00:14:42,920 --> 00:14:45,920
debt as a community, right? 
OK, would that be amazing? 

259
00:14:46,120 --> 00:14:48,520
So maybe you're thinking, oh, 
you know what? 

260
00:14:48,520 --> 00:14:51,840
I don't know how much I have 
maybe about 20, maybe about 30, 

261
00:14:52,080 --> 00:14:54,680
I don't know. 
This is this is the time we're 

262
00:14:54,680 --> 00:14:59,240
going to, I'm going to walk you 
through how to do it, what we 

263
00:14:59,240 --> 00:15:02,160
did. 
And if you want to get started 

264
00:15:02,360 --> 00:15:07,200
right now and jump into jump 
into the the early stages of it 

265
00:15:07,200 --> 00:15:12,560
and get started before 2026, get
to my website at the Debt Rebel 

266
00:15:12,560 --> 00:15:13,680
art. 
Go to my website, 

267
00:15:13,680 --> 00:15:17,200
debtrebelpodcast.com and grab 
your debt Rebel starter kit. 

268
00:15:17,440 --> 00:15:20,280
That is going to be that first 
step to joining the rebellion. 

269
00:15:20,560 --> 00:15:23,120
And I'll tell you a little bit 
more about that when you grab 

270
00:15:23,120 --> 00:15:27,360
that, I want to remind you that 
you deserve a life that you you 

271
00:15:27,360 --> 00:15:29,840
deserve. 
You don't have to finance, OK? 

272
00:15:30,120 --> 00:15:32,600
You can pay cash for it and it's
going to be amazing. 

273
00:15:32,880 --> 00:15:34,920
And I would love to be a part of
your journey. 

274
00:15:35,160 --> 00:15:36,600
All right, we'll see in the next
episode. 

275
00:15:36,800 --> 00:15:39,520
Thank you for tuning into the 
Debt Rebel show today. 

276
00:15:39,760 --> 00:15:42,720
Ready to take your family 
budgeting to the next level? 

277
00:15:42,760 --> 00:15:46,600
Stop that paycheck to paycheck 
grind and start living debt 

278
00:15:46,600 --> 00:15:48,760
free. 
Head over to my website, 

279
00:15:48,760 --> 00:15:57,360
debtrebelpodcast.com. 
That's DEBT REBEL podcast.com to

280
00:15:57,360 --> 00:16:00,320
grab resources, tools and tips 
to make it happen. 

281
00:16:00,520 --> 00:16:03,320
And don't forget, subscribe, 
leave a review. 

282
00:16:03,320 --> 00:16:06,480
And if you know another family 
that will love hearing today's 

283
00:16:06,480 --> 00:16:10,840
episode, it would be such a gift
for both of us, your friend and 

284
00:16:10,840 --> 00:16:13,240
me. 
If you share this episode and 

285
00:16:13,240 --> 00:16:16,560
remember your debt free life 
starts with one brave step and 

286
00:16:16,560 --> 00:16:18,560
I'm cheering you on every step 
of the way. 

287
00:16:18,720 --> 00:16:19,920
We'll talk soon. 
Debt Rebel.