Debt Ain’t the Devil: A Smarter Way to Manage It and Pay it Off

Empowerment Strategies for Managing and Overcoming Debt

In this episode, the host tackles the topic of debt with a refreshing and empowering approach. Instead of shaming or inducing guilt, she offers practical strategies for managing debt effectively. Sharing personal experiences from college days, she emphasizes the importance of financial literacy and knowing what you owe. The episode outlines four smart ways to manage debt and dives into advanced tips for debt reduction, including balance transfers, refinancing, side hustles, and bartering. With a focus on strategy over shame, listeners are encouraged to face their debts and create a plan for financial freedom. Grab your free worksheet HERE.

00:00 Introduction: Rethinking Debt

00:46 Personal Debt Journey

02:47 Understanding Debt Management

03:23 Four Smart Ways to Manage Debt

06:20 Advanced Debt Strategies

11:17 Conclusion and Resources

Resources + Power Moves

When I find something that actually works, I share it. These are the tools, tech, and resources I use every day to run my companies, support my clients, and keep my own wealth-building journey tight. If you’re building something real, these will help you do it with more ease, clarity, and confidence.

Tech + Business Tools

• AI Agents & Assistants – Marblism
• Email Marketing – Flodesk
• Smart Contracts + E-Signatures – PandaDoc
• Workspace Productivity – Google Workspace
• Budgeting Made Simple – Monarch Money
• [Invoicing & Accounting – Coming Soon]

Podcast & Media Tools

• Podcast Editing – Descript

Community + Support

• Ko-fi – Support Darice Rene
• Meet Darice Rene

🔑 Stay Connected

• Attend our next Money, Legacy & Her Event
• Follow me on Instagram: @daricerene

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