Did you spend too during the holiday season? Studies showed that many of us WAY overspent this year, to the tune of over $1,200 more spending than we could truly afford. Add that to the huge amount of debt people are already carrying, and this year's problem can easily become next year's problem. To help you wash away your debt problems, today we're talking to Nick Clements on the psychology behind debt management, and the many different ways you can get your year started on the right foot in our annual holiday debt cleanse episode.

Plus, if you're looking to make some extra money on the side to pay down your holiday bills, we've got you covered. We're calling our old friend Harry Campbell, founder of The Rideshare Guy blog and podcast. He'll share lots of ways to help you quickly raise hundreds (and maybe thousands) of dollars. Later on we'll throw out the Haven Life Line to Bryan, who took out a 401k loan to buy a rental property. Bryan has extra cash coming in and could pay off the loan pretty quickly. Should he do it? What would be the downsides of choosing to make minimum payments?

And don't worry... we'll still have time for Doug's trivia.

Thanks to Skillshare for sponsoring the show. Start your two months of unlimited access to Skillshare by visiting SkillShare.com/SB.

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