Bankruptcy is one of the most misunderstood parts of personal finance. In this episode, Don Fon and Ramses Coly break down the differences between Chapter 7 and Chapter 13, what happens to your debt, and common myths about student loans, credit cards, and taxes.

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Disclaimer: The content on Kekah and BlueRed is for informational purposes only. Don Fon and Ramses Coly are not licensed financial advisors. Don is a financial coach, and nothing discussed should be taken as financial advice.

⚠️ This episode includes fact checks. For details, watch the video version on our YouTube channel.
⚠️ Artificial intelligence is often used in our episodes.

In this episode, we dive into the reality many Americans are facing—struggling to cover everyday bills, even with decent incomes. Don Fon and Ramses Coly share their own recent experiences with financial hardship, and we explore why so many families are feeling the squeeze. Join us for honest conversation, practical tips, and hope for moving forward.PODCASTS: SEARCH "KEKAH & BLUERED" or click on the links belowSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Amazon Music: https://music.amazon.com/podcasts/779db4ba-613e-461b-9692-64e69f52f507/kekah-and-bluered-money-talks-and-so-do-weAudible: https://www.audible.com/podcast/Kekah-and-BlueRed-Money-Talks-And-So-Do-We/B0FF61BMQZ?qid=1753118830&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=8DKXD0RM4MT9YEE21XPF&plink=nsRd2NyzMRONX5M4&pageLoadId=duh9UVneq5mz4LLE&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1iHeartRadio: https://www.iheart.com/podcast/269-kekah-and-bluered-money-ta-282588146/TuneIn Radio: https://tunein.com/podcasts/Business--Economics-Podcasts/Kekah-and-BlueRed-Money-Talks-And-So-Do-We-p4648611/YouTube Music: https://music.youtube.com/playlist?list=PLg0ubM6_NsSvjj6qnGs2pIyMVAluyGAzgSOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyTiktok: @kekahblueredWEBSITESkekahfinancialcoaching.comquietwealthmedia.comCONTACT US📬 Have questions? Email us at ask@kekahfinancialcoaching.com — voice recordings welcome! Music theme license:🎵 Theme Music: "Adventures" by A Himitsu Licensed under Creative Commons Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/ Music released by Argofox: https://soundcloud.com/argofox/adventures Artist: https://soundcloud.com/a-himitsu Promoted by Audio Library: https://youtu.be/MkNeIUgNPQ8🎵 "Technology Logo" by DHcz/ Pixabayhttps://pixabay.com/sound-effects/technology-logo-335242/ Artificial intelligence is often used in our episodes. Artificial intelligence content from ElevenLabs and HeyGen.Show promotion and consulting: Milon Miah, Babu Miah LEGAL DISCLAIMER:The content on Kekah and BlueRed is for entertainment and informational purposes only. Don Fon and Ramses Coly are not licensed financial advisors. Don is a financial coach, and nothing discussed should be taken as personal financial advice. ----------For YT Shorts:Description:Promotional video of Kekah & BlueRed upcoming first episode.PODCASTSSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Other podcast platforms: Amazon Music, iHeartRadio, TuneIn Radio, YouTube Music.SOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyTiktok: @kekahblueredWEBSITESkekahfinancialcoaching.comquietwealthmedia.comE-MAIL US WITH QUESTIONSask@kekahfinancialcoaching.comquietwealthmedia@gmail.com

Predatory loans are everywhere—payday loans, title loans, “no credit check” offers, and even buy now, pay later schemes. In this episode, Don Fon and Ramses Coly break down how these high-interest traps work, why they target the most vulnerable, and what smarter alternatives exist. Don’t let debt steal your future—learn how to protect your money and build lasting wealth.PODCASTS: SEARCH "KEKAH & BLUERED" or click on the links belowSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Amazon Music: https://music.amazon.com/podcasts/779db4ba-613e-461b-9692-64e69f52f507/kekah-and-bluered-money-talks-and-so-do-weAudible: https://www.audible.com/podcast/Kekah-and-BlueRed-Money-Talks-And-So-Do-We/B0FF61BMQZ?qid=1753118830&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=8DKXD0RM4MT9YEE21XPF&plink=nsRd2NyzMRONX5M4&pageLoadId=duh9UVneq5mz4LLE&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1iHeartRadio: https://www.iheart.com/podcast/269-kekah-and-bluered-money-ta-282588146/TuneIn Radio: https://tunein.com/podcasts/Business--Economics-Podcasts/Kekah-and-BlueRed-Money-Talks-And-So-Do-We-p4648611/YouTube Music: https://music.youtube.com/playlist?list=PLg0ubM6_NsSvjj6qnGs2pIyMVAluyGAzgSOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyTiktok: @kekahblueredWEBSITESkekahfinancialcoaching.comquietwealthmedia.comCONTACT US📬 Have questions? Email us at ask@kekahfinancialcoaching.com — voice recordings welcome! Music theme license:🎵 Theme Music: "Adventures" by A Himitsu Licensed under Creative Commons Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/ Music released by Argofox: https://soundcloud.com/argofox/adventures Artist: https://soundcloud.com/a-himitsu Promoted by Audio Library: https://youtu.be/MkNeIUgNPQ8🎵 "Technology Logo" by DHcz/ Pixabayhttps://pixabay.com/sound-effects/technology-logo-335242/ Artificial intelligence is often used in our episodes. Artificial intelligence content from ElevenLabs and HeyGen. LEGAL DISCLAIMER:The content on Kekah and BlueRed is for entertainment and informational purposes only. Don Fon and Ramses Coly are not licensed financial advisors. Don is a financial coach, and nothing discussed should be taken as personal financial advice.