You paid it off. You told yourself this time was different. And then, slowly, the balance crept back up and somehow you're sitting in more debt than when you started.

That's not a you problem. That's a pattern problem. And until you can actually see the pattern, no amount of aggressive payoff plans, balance transfers, or personal loans is going to change what keeps happening.

In this episode, I'm walking you through what I call the Debt Exit Plan, the framework I use with every single client before we touch one dollar of debt repayment. The Debt Exit Plan isn't about how fast you can pay off debt. It's about understanding what's driving the cycle so this can actually be the last time. I also share what I learned about my own pattern when I was making $90,000 a year and still cycling in and out of $2,000 to $5,000 of credit card debt and what shifted once I could finally see it clearly.

In this episode, I’m walking you through...

[01:00] Why so many people try to get out of debt and end up in deeper debt

[03:10] The difference between the reason you’re in debt and the pattern for why it keeps happening

[09:35] Why a list of bills is not a budget and what your income actually needs to be doing

[13:05] How to build a debt exit plan that includes saving, spending, and debt payoff

Tune into this episode of Money Files to discover how to break the debt cycle by addressing the pattern behind your debt, not just the balance.

Get full show notes and the episode transcript: https://wealthovernow.com/the-debt-exit-plan-how-to-break-the-cycle-for-good/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

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