Debt is everywhere. From the moment we’re old enough to get student loans, store cards, or Buy Now Pay Later at the checkout, it is enticing you in. In this episode of The Finance Han Podcast, we’re talking about how to not get sucked in. From sneaky spending traps to the pressure of keeping up with your mates, we’ll chat through the everyday choices that can quietly snowball into debt, and how to stop that from happening. We’ll also cover how to stay debt-free once you’ve done the hard work of clearing it. Spoiler: it’s less about sacrifice and more about being one step ahead. 

💡 Key Takeaways 

• Debt is literally everywhere, especially for 18 to 30-somethings just trying to stay afloat.
• Sinking funds are future-you’s best friend.
• Uni isn’t the only way to a good job (or a good life).
• Apprenticeships? Highly underrated.
• “Keeping up” with friends can cost you more than you think.
• Credit cards are tempting little devils - handle with care!
• Your emergency fund = your financial safety net.
• Budgeting isn’t boring, it’s freeing.
• Choose memories over ‘stuff’.
• Delayed gratification is a money superpower.

⏱️ Chapter Breakdown 

•  00:00 – Welcome back + why debt is the struggle right now 
• 01:16 – How debt starts (and why it’s not your fault) 
• 04:03 – Meet your new fave: sinking funds 
• 08:36 – Is uni really worth the price tag? 
• 12:40 – What no one told you about apprenticeships 
• 16:47 – Doing life your way is cooler
• 22:21 – Credit cards: the red flag in your wallet 
• 26:02 – The emergency fund that helps you sleep at night 
• 29:21 – Budgeting basics (minus the boring bits) 
• 39:39 – Final thoughts + disclaimer

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