Introduction

Managing your finances is like driving a car down a winding mountain road. Take your eyes off the road for just a second and you can end up upside down in a ditch. In personal finance, that ditch is a thing we call debt.
Debt is far more than just a balance or two that you owe to someone. It’s a parasite that seems to cling to you, sucking away your energy and joy, continuing to grow and grow even as you do your best to get rid of it.
If that sounds familiar, then I’m glad you found this book. My hope is that it will serve you in many different ways, ranging from emotional support for your situation to tactical advice about the next steps.
The good news is, you’re not the only one. Enough of us have gone through this that there ...

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