Many people focus only on budgets, income, and monthly bills, but there’s a far more powerful number quietly shaping financial outcomes. In this episode, Erin Skye Kelly talks about the habit that transforms money from a stressful guessing game into something you can actually measure, track, and improve.

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye

Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin 

Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership.

Leave us a voicemail message here: www.speakpipe.com/erinskyekelly 

Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

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Erin explains why the popular “good debt vs bad debt” debate often leads people in the wrong direction, and what actually determines whether a financial decision builds wealth or creates risk.

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Function Health. Take ownership of your health with over 100 advanced lab tests for $365 a year. Visit www.functionhealth.com/ERIN or use the gift code ERIN25 to receive $25 off your membership.

Thank you to our sponsor, Chime. Chime isn’t just smarter banking - it’s designed to make your money work better for you. Signing up only takes a few minutes. Get started at chime.com/erin.

You can support this podcast by checking out Mint Mobile. Switch to Mint and get 50% off unlimited premium wireless. Plans start at just $15 a month. Check it out at mintmobile.com/skye.

Leave us a voicemail message here: www.speakpipe.com/erinskyekelly 

Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people think money decisions are about numbers. But what if every dollar you spend is actually about something else? Erin and Keri will change how you think about debt, spending, and building wealth. 

Share your texting blunders and make Keri feel better! Do that here: www.speakpipe.com/erinskyekelly 

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Function Health. Take ownership of your health with over 100 advanced lab tests for $365 a year. Visit www.functionhealth.com/ERIN or use the gift code ERIN25 to receive $25 off your membership.

Thank you to our sponsor, Chime. Chime isn’t just smarter banking - it’s designed to make your money work better for you. Signing up only takes a few minutes. Get started at chime.com/erin.

You can support this podcast by checking out Mint Mobile. Switch to Mint and get 50% off unlimited premium wireless. Plans start at just $15 a month. Check it out at mintmobile.com/skye.

Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

Learn more about your ad choices. Visit megaphone.fm/adchoices

A consolidation loan promises simplicity: fewer bills, lower payments, and breathing room in the budget. On paper, it looks like a financial reset. Erin Skye Kelly breaks down what’s actually happening behind the scenes when debt gets consolidated and why the math alone rarely solves the problem. 

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Function Health. Take ownership of your health with over 100 advanced lab tests for $365 a year. Visit www.functionhealth.com/ERIN or use the gift code ERIN25 to receive $25 off your membership.

Thank you to our sponsor, Chime. Chime isn’t just smarter banking - it’s designed to make your money work better for you. Signing up only takes a few minutes. Get started at chime.com/erin.

You can support this podcast by checking out Mint Mobile. Switch to Mint and get 50% off unlimited premium wireless. Plans start at just $15 a month. Check it out at mintmobile.com/skye.

Leave us a voicemail message here: www.speakpipe.com/erinskyekelly 

Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve ever tried to “be good with money” by tightening every screw in your life, you know how quickly that approach can wear thin. This episode digs into why so many smart, capable women swing between extreme discipline and total exhaustion, and why neither seems to stick. Erin takes a thoughtful look at the hidden patterns behind debt cycles, burnout, and the constant feeling that you should be doing better by now.

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye

Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin 

Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership.

Leave us a voicemail message here: www.speakpipe.com/erinskyekelly 
Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Most women can talk about almost anything with their friends…except money. Erin and Keri discuss why financial conversations feel so loaded, how early conditioning still shapes our reactions today, and what happens when we keep everything hidden. 

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye

Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin 

Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership.

Leave us a voicemail message here: www.speakpipe.com/erinskyekelly 

Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

Learn more about your ad choices. Visit megaphone.fm/adchoices

You know that tiny screen at checkout that suddenly makes you question your entire value system? This episode dives into the complicated world of tipping - not just what we do, but why we do it. From cultural expectations to quiet financial pressure, Erin Skye Kelly explores how a few dollars can carry surprising emotional weight. 

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye

Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin 

Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership.

Leave us a voicemail message here: www.speakpipe.com/erinskyekelly 

Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Sometimes the reason your finances won’t move forward has nothing to do with discipline and everything to do with the environment you’ve built around yourself. Today Erin tells us what happens when people make bold, strategic shifts to change their financial trajectory. 

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Air Doctor Pro. Head to AirDoctorPro.com and use promo code ERIN to get UP TO $300 off today! 

Leave us a voicemail message here: www.speakpipe.com/erinskyekelly 

Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Crowdfunding has changed the way people navigate crisis, but it’s also exposed some uncomfortable truths about how we view money, privilege, and responsibility. Erin and Keri look at why public fundraisers spark such strong reactions, and what your response says about your relationship with security, scarcity, and control.

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Air Doctor Pro. Head to AirDoctorPro.com and use promo code ERIN to get UP TO $300 off today!

Leave us a voicemail message here: www.speakpipe.com/erinskyekelly 

Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin Skye Kelly shares the one shift that separates women who stay stuck from women who quietly build serious wealth.

Join our online community: www.getthehelloutofdebt.com 

Today’s episode is brought to you by Air Doctor Pro. Head to AirDoctorPro.com and use promo code ERIN to get UP TO $300 off today! 

Leave us a voicemail message here: www.speakpipe.com/erinskyekelly 

Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore.

Learn more about your ad choices. Visit megaphone.fm/adchoices