Building wealth after debt is possible and it can be an exciting journey. In this episode of The Debt Hotline, Hannah is joined by Michelle Winterfield, CEO and co-founder of Tandem, a finance app helping over 130,000 households manage more than $200 million. Michelle shares practical strategies for building long-term wealth for modern households, even if you're starting from zero (or below).Michelle brings deep insight from both her own financial journey and her time as a private equity investor turned fintech founder. She explains how to balance short- and long-term financial goals, why your mindset matters, and how to flip the narrative on family finances to build a secure future together.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week’s episode, you’ll learn:How to build family wealth, even with student loans or credit card debtWhy 6–9 months of emergency savings is step one (and where to keep it)Which investment accounts offer the best tax advantagesHow couples can build trust and avoid conflict around moneyWhy consistent investing matters more than perfect timingReal listener questions answered:“I paid off $22,000 in credit card debt. Why is my credit score still low?”“My wife wants to save, I want to invest, how do we decide?”“Is getting a second job better than budgeting on one income?”“How can a college freshman start building wealth?”“Should I invest my $4,000 savings or keep building my emergency fund?”The bottom line: Building wealth starts with smart foundations. She recommends paying off high-interest debt first, but not waiting forever to begin investing. Take advantage of “free money” like your employer’s 401(k) match, and use high-yield savings accounts for short-term goals. Transparency with your partner, especially about debt, is crucial, and treating saving and investing like non-negotiable monthly bills can create the consistency needed to build long-term financial security.To learn more about Michelle and Tandem:Website: https://www.usetandem.comInstagram & TikTok: @missmoneymichelleTo submit a question to The Debt Hotline, you can:Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

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