Nicole is a medical coder, a debt-free adult, and a forever dancer. She discusses growing up with parents who met at the psych ward, being home-schooled most of her childhood, and how she got into dance at 2-years-old. Nicole also talks about her divorce and how she turned debt into four jobs and a determination to be debt-free. She gives Justin the best compliment ever, and talks about the cruelty of teenagers when she was going through an eating disorder.

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