Rachel Webster

And once she got over the shame of the debt itself, she had to start facing it, practically. So one afternoon, we sought out the help of an expert.

And once she got over the shame of the debt itself, she had to start facing it, practically. So one afternoon, we sought out the help of an expert.

Okay, let's make a list.

Okay, let's make a list.

Okay, so it turns out that focusing your budget is just bushing. And we'd already had some painful conversations and realizations about Jamie's spending and figured out a way to reprioritize the things in her budget. But Siri's advice assumes that you're a person making a regular fixed income.

Okay, so it turns out that focusing your budget is just bushing. And we'd already had some painful conversations and realizations about Jamie's spending and figured out a way to reprioritize the things in her budget. But Siri's advice assumes that you're a person making a regular fixed income.

And nobody was really able to assist us with advice for people who have no idea what they'll be making from month to month. So we were already off to a rocky start. Then once we got to step two, things really started to fall apart. Okay. What's number two? Setting up a repayment plan. Okay. So currently the repayment plan is that we got to pay it. We got to pay it.

And nobody was really able to assist us with advice for people who have no idea what they'll be making from month to month. So we were already off to a rocky start. Then once we got to step two, things really started to fall apart. Okay. What's number two? Setting up a repayment plan. Okay. So currently the repayment plan is that we got to pay it. We got to pay it.

How do you repay $23,000 on a freelancer's inconsistent income, especially credit card debt, which is something that Jamie found out is commonly referred to as bad debt. Means we're going to have to look into the credit card. Details. I don't want to do that. Bad debt is scary.

How do you repay $23,000 on a freelancer's inconsistent income, especially credit card debt, which is something that Jamie found out is commonly referred to as bad debt. Means we're going to have to look into the credit card. Details. I don't want to do that. Bad debt is scary.

The reason it's called bad debt is that it won't help you get a home or an education or anything that has the potential to increase in value.

The reason it's called bad debt is that it won't help you get a home or an education or anything that has the potential to increase in value.

Here's the deal. So we need to just like, first of all, identify how many credit cards you have. So how many credit cards do you have? Five. Five? Okay. Sorry. And how much?

Here's the deal. So we need to just like, first of all, identify how many credit cards you have. So how many credit cards do you have? Five. Five? Okay. Sorry. And how much?

What did you order today for lunch?

What did you order today for lunch?

What do you think about it?

What do you think about it?

We had driven out to this palace of consumerism, not to investigate the authenticity of the brioche, but rather to conduct a highly scientific poll of the American populace.

We had driven out to this palace of consumerism, not to investigate the authenticity of the brioche, but rather to conduct a highly scientific poll of the American populace.