377. The Real Reason Most People Fail at Getting Out of Debt

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Getting out of debt isn’t about knowing what to do.
Budgets are free. Advice is everywhere. And yet millions of people start strong and then quietly fall off.

In this episode, Brad breaks down the real reason most people struggle to get out of debt and why motivation, willpower, and even discipline aren’t enough on their own. As we kick off 2026, this conversation might completely change how you approach your money journey.

If you’re tired of starting over, this episode is for you.

👇 In this episode, you’ll learn:
• Why knowledge isn’t the problem
• Why motivation fades (and always will)
• The most overlooked factor in debt freedom
• How support and accountability change everything
• What actually helps people follow through long term

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