Hard Truth About Debt & Why It Feels Impossible & How To Finally Break Free

The Hard Truth About Debt (With Love) 💛 Why It Feels Impossible & How to Finally Break Free 

If you’re feeling overwhelmed by debt, I want you to take a deep breath. You are not alone, and more importantly—you are not failing. I know debt can feel like a heavy weight, like no matter what you do, you're stuck in the same cycle. But today, we're going to talk about why it feels so hard to get out of debt—and how you actually can. No guilt, no shame—just real talk, with love, compassion and empathy. 💛 

We ‘re going to go over how the system is set up to keep us in debt. 

The first thing you need to do to break free. 

3 small action steps you need to take now to live a debt free future. 

Why Debt Feels Impossible 

Debt doesn’t just affect your bank account—it affects your mindset, your stress levels, and even your sense of self-worth. And here’s the truth that most people don’t say out loud: Debt is designed to keep you stuck. 

• Credit card companies make money when you only pay the minimum. 

• Interest rates eat away at your payments, so it feels like you're not making progress. 
• And sometimes, life just happens—emergencies, unexpected expenses, things that weren’t even your fault. 

Some people are bad with money. We’ve known that one person who chose to go out or buy some fancy car they can’t afford. 

Most people aren’t like that. It’s not that you’re bad with money. It’s that the system benefits when you and I struggle. 

But there’s good news: Once you understand this, you can start breaking free. 

The Shift That Changes Everything 
The first step isn’t just about numbers—it’s about believing that your situation can change. You are not "bad with money." You are not "too far gone." You are not stuck. You’re not a loser or a lazy moron.  

Here’s where we flip the script: 
🌱 Instead of focusing on the size of your debt, stay present focus on the power of each payment. Small steps add up. 
🌱 Instead of feeling guilty, focus on learning. Every mistake teaches you something and learn the ins and outs of budgeting and personal finance.  
🌱 Instead of feeling alone, find community. Surround yourself with people who are also working toward financial freedom. You can support and lift eachother up. 

3 action steps to live a debt free future 
Now, let’s talk action. Here are three things you need to do right now to start moving towards a debt free future: 

1️. Get crystal clear on your numbers. No more avoiding it—write down your debts, your interest rates, and your minimum payments. Knowledge is power. This step is the hardest. I recommend having tissues, your bff at the ready and a big glass of wine. 

2️. Choose a debt strategy that works for YOU. Maybe it's my Fierce Rich Money Method, where you attack the largest minimum payment first. Maybe it's the snowball method, where you start with the smallest debt or the avalanche method where you start with the highest interest rate. Whatever you pick—make sure it works for you. 

3️. Each week create one tiny habit that supports your financial freedom. Maybe it’s packing lunch instead of eating out. Maybe it’s transferring an extra $10 toward your debt each week. Small changes lead to big results. Don’t change your entire financial life in one day because you’re not going to stick with it. One tiny habit will get you going. 

I know this journey can feel overwhelming, but I want you to hear this: You are capable. You are strong. And you can do this. One step at a time.  💛