Why I Stopped Struggling and Started Commanding My Debt Away

How I Budgeted My Way Out of Credit Card Debt

What if debt isn’t a personal failure — but a system you were never taught how to escape?

In this episode of Wisdom to Wealth, I’m pulling back the curtain on my personal journey of paying off $28,750 in credit card debt and breaking free from a cycle that keeps millions of Americans financially stuck. At a time when U.S. household debt has reached a staggering $18.3 trillion, inflation is squeezing families, and no one ever taught us how to manage money, this conversation is more urgent than ever.

I share the six-step budgeting strategy that helped me get out of debt in just three years, even when fear, pressure, and old money beliefs tried to pull me back. We also dig into what school never taught us about budgeting, why saving alone won’t make you wealthy, and how learning to tell your money where to go is the first real step toward financial freedom.

This episode is deeply personal. I reflect on my mother’s childhood in Jamaica, where hunger was real and resources were scarce, and how those early stories shaped my relationship with money. We also uncover the powerful legacy of Progress Plaza in Pennsylvania, the first Black-owned million-dollar shopping center in America, as a reminder that wealth has always been possible when strategy meets intention.

If you’ve ever felt overwhelmed by debt, ashamed of your finances, or unsure where to even begin, this episode will show you that progress is possible — and that wealth starts with wisdom.

In this episode, we cover:

• Why American household debt has exploded to $18.3 trillion

• How inflation quietly keeps people trapped in debt

• The six practical steps I used to budget and pay off credit card debt

• What schools never taught us about money management

• How generational money stories shape our financial habits

• The hidden history of Black wealth and ownership in America

This is not about restriction.

It’s about regaining control.

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