In this episode of Soulful and Sober, I’m joined by Joe Bush, teacher and coach for a real, practical conversation about debt, budgeting, and building a healthy relationship with money without the shame spiral.

We talk about:

*Why avoiding debt (especially student loan debt) matters more than most people realize

*The Debt Snowball Method (and why it works psychologically)

*How to start a budget without panic: observe first, then adjust

*The “$20 a day” habits that quietly drain your month

*A beginner-friendly breakdown of Roth IRAs and why Joe loves them

*The deeper piece: your money story, mindset, and how it shapes your decisions

*How sobriety + finances overlap (awareness, identity shifts, and learning confidence by doing)

If money has felt overwhelming, this will help you take one simple step forward without needing to “know everything” first.

Connect with Joe:

Instagram: @coachjoebush

Connect with me:

Instagram: @chrissyjaniga

Free resource: here

Buy my book: Link here