Are you caught in the endless cycle of credit card debt, consolidation loans, and paycheck-to-paycheck stress? In this episode, Nick and Lauren break down why behavior beats income, when debt consolidation makes sense (and when it doesn’t), and how couples can rebuild trust with money.

0:00 – Intro
0:45 – Is income really the problem?
2:10 – Lifestyle creep and hidden debt traps
4:00 – Listener story: $20K in credit cards & $12K in consolidation loans
6:05 – Debt consolidation: tool or trap?
9:20 – The behavior behind the debt cycle
12:15 – Couples & money: building alignment and trust
15:45 – Bankruptcy: last resort or lifeline?
18:30 – Final takeaways and action steps

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