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Debt can feel heavy, confusing, and hard to face — especially when you do not even know where to begin.

In this episode of Catholic Money Talk, we walk through the first steps to paying off debt, including how to get clear on what you owe, why you need a small emergency fund, how to choose a payoff strategy, and what common mistakes to avoid.

We also talk about the difference between the debt snowball and debt avalanche, and why paying off debt is about more than math — it is about changing habits and reclaiming freedom.

If debt has ever made your stomach drop, this episode is for you.

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