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If you’ve ever said “I want to be debt-free, but I’m not giving up lattes, date nights, or vacations,” this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa kick off 2026 with a realistic, sustainable plan to get out of debt without white-knuckling your way through the month or living on rice and beans.

If you make good money but still feel stuck with credit card debt, the issue isn’t discipline. It’s the debt payoff strategies you’ve been taught.

This conversation breaks down how to pay off debt using a system that fits real life, supports consistency, and doesn’t require you to sacrifice everything you enjoy.

In this episode, we answer questions like:

• Why don’t you need to be “gazelle intense” to get out of debt?

• How can you track all of your debt in one clear, simple place?

• What are the three main ways to pay off debt and how do you choose the right one?

• Why aren’t minimum payments actually the enemy?

• How do you find your “extra on debt” number without stressing every month?

• How can you act as your own bank so unexpected expenses don’t derail your progress?

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

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Why You Keep Overspending Even When You Make Good Money in 2026 | 505

Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans

Why You Keep Overspending Even When You Make Good Money in 2026 | 505