We're sharing our real-life financial horror stories, from haunted tax bills and ghostly subscriptions to lifestyle creep and the curse of bad investments. You'll hear about surprise tax collections, credit card vampires, and toddler fraud (yep, it's a thing).

We talk about how to escape debt traps, protect yourself from money monsters, and keep lifestyle creep from haunting your future.

Key moments:

(08:34) Identity theft, IP PINs, and freezing your credit for protection

(17:32) The curse of the curious toddler and surprise subscriptions

(20:37) Debunking haunted money myths and why buying a house isn't always a good investment

(39:24) How to keep the ghost of lifestyle creep from sneaking up on you

Resources mentioned: IRS identity protection PIN

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