Most of us are one unexpected layoff away from mild financial chaos, but it doesn’t have to stay that way. This episode dives into how diversified income and non-correlated assets work together to create a steadier, less dramatic wealth-building journey. Consider it your roadmap to becoming the kind of person who has options, even when life gets weird. Join our online community: www.getthehelloutofdebt.com  For more information on Transformation Weekend, go to ⁠transformationweekend.ca  ⁠ Today’s episode is brought to you by Monarch. Monarch is an all-in-one personal finance tool that brings your entire financial life together. Get 50% off your first year with code SKYE at monarch.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

Erin has 6 ways for you to pay off your debt and no matter what your situation is, there’s a strategy here that fits the way your brain works. You’ll walk away knowing exactly how to choose the method that keeps you consistent so you can finally see momentum instead of mayhem. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Flytographer. Give the Gift of Memories this holiday season with a Flytographer gift card to hire a local photographer in 350+ destinations around the world to capture the magic of travel! https://flytog.co/ERINSKYEKELLY Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  For more information on Transformation Weekend, go to ⁠transformationweekend.ca ⁠ 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

Your money is working somewhere. The real question is whether it’s working for you or quietly working against you. Erin says there are five often-ignored “dials” that determine how fast your wealth grows (or how fast your debt balloons). If you’re ready to rethink the way you borrow, spend, save, and teach your kids about money, have a listen!  Join our online community: www.getthehelloutofdebt.com  For more information on Transformation Weekend, go to transformationweekend.ca Check out Acorns Early for kids! Get your first month on us when you go to acornsearly.com/ERIN or download the Acorns Early app. Today’s episode is brought to you by Flytographer. Give the Gift of Memories this holiday season with a Flytographer gift card to hire a local photographer in 350+ destinations around the world to capture the magic of travel! https://flytog.co/ERINSKYEKELLY 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

Your thoughts are quietly running your money life, often without your permission. Erin tells us how your brain’s internal filter system decides what you notice, what you ignore, and how that directly affects your financial choices. You’ll learn why certain affirmations fall flat, how to build ones that actually influence behavior, and what to do when your goals feel miles away from your current reality. We would love to hear your affirmations! Bonus points if you sing them: www.speakpipe.com/erinskyekelly  For more information on Transformation Weekend, go to transformationweekend.ca Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Flytographer. Give the Gift of Memories this holiday season with a Flytographer gift card to hire a local photographer in 350+ destinations around the world to capture the magic of travel! https://flytog.co/ERINSKYEKELLYPurchase 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 bought something because your friend swore it was “life-changing,” only to wonder why you just spent $19.99 on carrots, this episode will hit home. Erin and Keri discuss how the people around us quietly nudge our spending, stress, and even our long-term financial habits, for better and for worse. Rethink the subtle social influences that could be shaping your bank account, your mindset, and your next impulse buy. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. 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. Kara's brussel sprouts recipe: separate the leaves and coat in olive oil and your fave seasoning spread on a large baking sheet roast at 350° until crispy and edges are turning brown - about 10 minutes! Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the doorway to more money isn’t a brand-new career, but something you already do without thinking? Erin breaks down the practical side-income ideas that actually work, and why most women underestimate the value hiding in their everyday lives. Get a refreshing, grounded take on increasing your income in ways that feel natural, sustainable, and surprisingly doable on this Second Day of Christmas. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. 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

On the first day of Christmas, Erin and Keri bring you A Budget That Sets Me Free - the foundational habit that quietly holds the rest of your financial life together. Just like the song builds day by day, they show you how wealth is built the exact same way: one simple, repeated action at a time. If you’ve ever made a beautiful holiday budget only to abandon it faster than leftover shortbread, this episode gives you the clarity (and the nudge) you need to finally stick with it. Join our online community: www.getthehelloutofdebt.com  For more info and to get your tickets for Transformation Weekend, go to transformationweekend.ca  Today’s episode is brought to you by AirDoctor. 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

Thanksgiving comes with gravy, gratitude… and a whole lot of emotional spending triggers. Erin and Keri share how to protect your wallet and your well-being when family dynamics, holiday pressures, and Black Friday hype collide. If you want to enjoy the season without sabotaging your financial goals, this is the perspective shift you need before you carve the turkey. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Monarch. Monarch is an all-in-one personal finance tool that brings your entire financial life together. Get 50% off your first year with code SKYE at monarch.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

A listener’s well-intentioned plan to wipe out her mortgage sparks a discussion about taxes, penalties, compound growth, and the hidden risks of moving retirement money into real estate. Erin breaks down the surprising math behind what seems like a “simple” decision, while Keri explores the emotional comfort we all seek when life throws curveballs. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Monarch. Monarch is an all-in-one personal finance tool that brings your entire financial life together. Get 50% off your first year with code SKYE at monarch.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

A listener’s unexpected financial win sparks a conversation about what really matters when opportunity meets overwhelm. Erin shares the strategies financially successful women actually use to protect long-term wealth, especially when debt, guilt, and urgency try to take over. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Monarch. Monarch is an all-in-one personal finance tool that brings your entire financial life together. Get 50% off your first year with code SKYE at monarch.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

If you’ve ever wondered how to charge what your work is actually worth, this conversation hands you the playbook. Erin and Keri dig in with guest Sarah Petty on switching from “everyone” to right-fit clients, and building systems that serve deeply and profit fairly, so you stop running on volume and start running a business. Sarah is a New York Times best-selling author, highly-acclaimed speaker, author, MBA and coach who started her own boutique photography studio after working for Coca Cola for 20 years and then meeting the marketing goals of a top regional advertising agency’s clients. It was at this ad agency where she taught small businesses the value of a strong foundation and how they would grow with a strong brand. She attributes the rapid growth of her boutique photography studio, which was named one of the most profitable in the country within just five years in business by PPA, to the creation of her own strong brand. Join our online community: ⁠www.getthehelloutofdebt.com⁠  You can find Sarah at www.photographybusinessinstitute.com and follow her online at https://www.instagram.com/sarah.petty/  Get your copy of Sarah’s book, “Worth Every Penny” here: https://amzn.to/4hWBI6u  Today’s episode is brought to you by PolicyMe.  Term Life Insurance: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness Insurance: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef 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 fear, self-doubt, or perfectionism have ever stalled your financial progress, hit play. Erin and Keri talk through how to stop letting anxiety and under-earning run the show, and Erin has solid strategies on how to take bold, messy, money-making action. Get ready - you’ll walk away from this one ready to move. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by PolicyMe. 🇨🇦 Term Life Insurance:⁠ https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f⁠ Critical Illness Insurance:⁠ https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef⁠ 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 have ever thought overdraft was a safety net, think again. Erin and Keri reveal how this so-called “protection” is actually a profit center for banks, and how to cut it loose for good. If you’re ready to stop giving the bank your hard-earned money and start building wealth, this is your turning point. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by PolicyMe. 🇨🇦 Term Life Insurance: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness Insurance: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef 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

Ever stood at the checkout, contour stick in hand, and convinced yourself you needed it? Erin and Keri peel back the truth about impulse spending, gratitude, and why “enough” is more than a mindset, it’s a money strategy. As the season of sales and glitter approaches, they’ll help you stay grounded in what matters most. And it’s not 40% off.  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. 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

Before you add “puppy” or “kitten” to your holiday wish list, listen to this. Erin and Keri break down the hidden price tags that come with those big, adorable eyes, and how to plan for them like the financially savvy adult you are. Expect some candid talk about what pets actually cost, how to budget for the surprises, and why planning ahead might just save your sanity…and your couch. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by AirDoctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Erin’s You Need A Budget link: https://youneedabudget.a4xxmk.net/g1dDNv  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

From dryers to TVs to travel insurance, Erin and Keri show you how to evaluate protection plans like a CFO: opportunity cost, replacement cost, and total cost of borrowing. Learn when insurance is a must and when it’s just marketing dressed as comfort. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Monarch. Monarch is an all-in-one personal finance tool that brings your entire financial life together. Get 50% off your first year with code SKYE at monarch.com  Thanks to Acorns Early for sponsoring this episode. Ready to join over 1.2 million parents and kids who’ve unlocked their potential with Acorns Early? Get your first month free when you go to acornsearly.com/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

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  Check out Allissa’s episode here: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000551388687  Today’s episode is brought to you by Monarch. Monarch is an all-in-one personal finance tool that brings your entire financial life together. Get 50% off your first year with code SKYE at monarch.com  Thanks to Acorns Early for sponsoring this episode. Ready to join over 1.2 million parents and kids who’ve unlocked their potential with Acorns Early? Get your first month free when you go to acornsearly.com/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

You know that feeling when you finally start getting ahead and then something breaks that costs way too much to fix? Erin and Keri tackle that moment we all dread: when a perfectly good plan collides with an expensive surprise. Erin will help you figure out how to make smart money decisions under pressure without losing your mind.  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Monarch. Monarch is an all-in-one personal finance tool that brings your entire financial life together. Get 50% off your first year with code SKYE at monarch.com  Thanks to Acorns Early for sponsoring this episode. Ready to join over 1.2 million parents and kids who’ve unlocked their potential with Acorns Early? Get your first month free when you go to acornsearly.com/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

A sudden tragedy puts a $20,000 wedding deposit in the spotlight. Who’s responsible, and what’s fair? Erin and Keri discuss the nuances of small business contracts, grieving families, and the risks of public opinion, offering insights that go beyond the headlines. Join our online community: www.getthehelloutofdebt.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

​​Ever wondered how far people will go to pinch pennies? Erin and Keri take you on a tour of the strangest, quirkiest, and (some) surprisingly effective money hacks they’ve seen - and done - themselves. From scavenging couch cushions to creative grocery survival tactics, this episode will make you rethink what “extreme budgeting” really looks like.  Join our online community: www.getthehelloutofdebt.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. To sponsor someone into the Get The Hell Out Of Debt course, contact Keri at info@erinskyekelly.com. Learn more about your ad choices. Visit megaphone.fm/adchoices