In this episode of the Real Talk Ladies podcasts, your guides Karen Dear & Kimberly Deann discuss ways to help us all get in the black and out of the red.

The key takeaways for the episode are:

* Pay down debt

* Change your lifestyle

* Reduce temptation

* Add a revenue stream

"You can't get out of debt while keeping the same lifestyle that got you there." - Dave Ramsey

Dave Ramsey's words definitely hit home for Karen & Kim. Listen more to hear how they have been trying to change their lifestyle this year so they can get out of debt. Join the conversation on our Facebook and tell us how you're changing your lifestyle to get back in the black.