I’m calling this one The Money Shift—because that’s exactly what Xanthe Appleyard of Oh Sierra has been living. From “sweet, let me buy that” and overdraft life… to getting to zero, taking ownership, and actually looking at her numbers (go figure).

After hearing Xanthe and her husband Frank open up about their debt on their podcast Love You to the Core, I knew I had to bring her on to go deeper. We talk about shame, survival mode, self-trust, and how she’s redefining what a “rich life” looks like—from the inside out.

Where to find Xanthe:

• Podcast
• Substack
• Instagram
• Website

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