There’s a difference between being proactive and being pressured, and most people don’t realize when they’ve crossed that line. Erin Skye Kelly takes on one of the most emotionally charged financial topics parents face and examines how timing, flexibility, and control matter more than good intentions. If you’ve ever wondered whether you’re prioritizing the right things for your kids, this episode will give you a new lens to think through it. Join our online community: www.getthehelloutofdebt.com  For more information on Transformation Weekend, visit transformationweekend.ca  Today’s episode is brought to you by Quince. Treat yourself to bedding that lasts. Go to quince.com/skye and receive free shipping and 365 day returns.  Thanks to our sponsor, 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

You don’t need more discipline; you need fewer decisions. This episode explores how to design a money system that works even when life is busy, overwhelming, or unpredictable. Erin Skye Kelly shares straightforward strategies to reduce friction, prevent “financial jump scares,” and make bills, savings, and spending easier to manage without constant attention. Join our online community: www.getthehelloutofdebt.com  For more information on Transformation Weekend, visit transformationweekend.ca  Today’s episode is brought to you by Quince. Treat yourself to bedding that lasts. Go to quince.com/skye and receive free shipping and 365 day returns.  Thanks to our sponsor, AirDoctor. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  To help simplify your money, check out 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

You’ve been doing the “right things” with your money - paying off debt, saving consistently, maybe even investing - but there’s a quiet question that keeps coming up: what is all of this actually for? Erin Skye Kelly and Keri Blakeney talk once again with their favourite Money Machine expert, Mel Abraham, to unpack what happens after the debt is gone and why most people misunderstand retirement entirely. If you’ve ever wondered when your money starts working for you this conversation will change the way you think about building wealth. Find Mel Abraham online here: https://melabraham.com/ Get Mel’s book “Building Your Money Machine” here: https://amzn.to/4p7cncf  Join our online community: www.getthehelloutofdebt.com  For more information on Transformation Weekend, visit transformationweekend.ca  Today’s episode is brought to you by Quince. Treat yourself to bedding that lasts. Go to quince.com/skye and receive free shipping and 365 day returns.  Thanks to our sponsor, 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

Your future boss is probably already Googling you… the question is, what are they finding? Today Erin and Keri talk with Emily Pearlman - a LinkedIn expert - and they break down the modern rules of getting noticed, getting hired, and getting ahead. If you’ve been feeling the nudge to elevate your career, this episode gives you the roadmap (and the push) to finally do it. You can find Emily on LinkedIn: linkedin.com/in/emilypearlman Emily’s wise words to use at the end of an interview: “It was great speaking with you. I’m now even more excited about this opportunity.” 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

You love your friends, but you also love not being financially drained - which is why this episode tackles the awkward world of unpaid IOUs and holiday-season “forgetfulness.” Erin and Keri are unpacking what to do when someone you care about doesn’t follow through, and how to respond without guilt, resentment, or passive-aggressive scorekeeping. It’s the exact guide you need if you’re juggling real life, real bills, and real friendships. Join our online community: www.getthehelloutofdebt.com  Share your money loaning successes and fails with us at www.speakpipe.com/erinskyekelly   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  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

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