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Have you ever paid off your credit cards, only to look up months later and realize the balances are creeping back up again?

Maybe you used a bonus, a 0% interest credit card, or a windfall to pay it all off. You told yourself this time will be different and that you wouldn’t go back into credit card debt again, but somehow you’re right back in that old familiar place and you’re so frustrated!

If this sounds familiar, this episode is for you.

Because for you, the issue isn’t paying off credit card debt. You’ve done that more than once. The real challenge is figuring out how to stay out of it for good.

If this already feels a little too familiar, I created a free training called How to Build Wealth Without Going on a Strict Budget for women who make good money but want lasting change. Click Here to watch the free training.

In this episode, we’re talking about why credit card debt keeps coming back, even for women who make good money, and what actually has to change if you want this cycle to end for good.

Here’s what we cover:

1. The real goal isn’t paying off debt, it’s staying out of it

Most women I talk to already know the math. You’ve paid off credit cards before, sometimes more than once.

But paying off debt and staying out of debt are two very different things.

In this episode, I explain why focusing only on payoff strategies keeps you stuck in a loop, and what the real goal needs to be if you want lasting change.

2. Paying off debt is math. Ending the cycle is behavioral.

You can understand balances, interest rates, and payoff methods perfectly and still overspend when you’re stressed, bored or overwhelmed and tell yourself you’ll “deal with it later.”

Debt doesn’t come back randomly. It follows your habits.

We talk about why most financial advice ignores the behavioral side of money, and why that’s exactly where the real work lives.

3. The missing piece no one talks about, your Financial Comfort Zone

This is the concept most women have never been taught.

Your financial comfort zone isn’t what feels good, it’s what feels familiar.

In the episode, I break down how being used to a certain level of spending, saving, and even debt can quietly pull you back into the same patterns, even when you genuinely want something different.

4. How the debt cycle actually breaks

Getting out of debt doesn’t require more discipline, it requires changing what’s familiar.

I walk you through the framework I use with my 1:1 Money Coaching clients:

• Awareness

• Intention

• Identity

• Practice

This is how women stop spiraling, catch problems earlier, and prevent small slips from turning into full financial relapses.

5. Why staying in credit card debt is more expensive than you think

The real cost of credit card debt isn’t just interest.

It’s bonuses that aren’t really yours.
It’s commission checks already spoken for.
It’s constantly cleaning up the past instead of building the future.

In this episode, we talk about why staying in the cycle is too expensive to ignore, and why fixing this once and for all changes everything.

If you’ve paid off the same credit card more than once, this episode will help you understand why, and what needs to change so it doesn’t keep happening.

🎧 Listen to the full episode above.

If you’re ready to stop cleaning up the past and start building something sustainable, start with my free training, How to Build Wealth Without Going on a Strict Budget.
Click Here to watch the free training.