Are you caught in the endless cycle of credit card debt, consolidation loans, and paycheck-to-paycheck stress? In this episode, Nick and Lauren break down why behavior beats income, when debt consolidation makes sense (and when it doesn’t), and how couples can rebuild trust with money.0:00 – Intro0:45 – Is income really the problem?2:10 – Lifestyle creep and hidden debt traps4:00 – Listener story: $20K in credit cards & $12K in consolidation loans6:05 – Debt consolidation: tool or trap?9:20 – The behavior behind the debt cycle12:15 – Couples & money: building alignment and trust15:45 – Bankruptcy: last resort or lifeline?18:30 – Final takeaways and action steps–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

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