If you’ve just hit rock bottom—or you're stuck in the guilt, fear, and shame of financial failure—this episode is for you.

In this raw and compassionate conversation, Steve shares what really keeps people from starting over, and why the problem isn’t your finances—it’s the weight you’re still carrying. You’ll hear powerful stories from his time as the debt coach on the reality show Starting Over, including one unforgettable moment with a woman buried in financial shame… and the two surprising lessons he walked away with.

We’ll talk about:

• Why advice like “just be grateful” doesn’t help when you’re grieving

• The real reason you can’t move forward yet—and how to know when you’re ready

• What a widower taught a doctor (and Steve) about starting over after deep loss

• How to shift from shame to forward motion—without pretending you're okay

This episode isn’t a lecture. It’s a light in the dark. And if you’re feeling stuck, scared, or lost... I promise, there’s a path forward—and it starts here.