Скачать или смотреть How to Stop Living Paycheck to Paycheck & Pay Off Debt (Financial Coaching)

​‪@keyconceptspodcast‬ If you’re struggling with debt, living paycheck to paycheck, or feel stuck financially, this episode breaks down how financial coaching actually works and how people rebuild their finances step by step.

In this conversation, you learn what financial coaching is, how it differs from budgeting, wealth building, and debt relief, and what happens during a real first financial coaching session. You’ll discover which areas of your finances are addressed first, the most common spending habits that lead to debt, and the financial behaviors a coach helps you build for long-term stability.

The episode dives into the psychology of money, including why people regress into bad spending habits, how self-doubt and financial trauma affect decisions, and why mindset plays a major role in getting out of debt. You’ll also learn how people afford financial coaching even while in debt, how the Wangberg Snowball Calculator works, and why paying off debt is more emotional than mathematical.

You’ll hear practical strategies for earning cash back without credit cards, avoiding holiday overspending, and breaking the cycle of relying on external solutions instead of personal financial discipline. The episode also covers advice for aspiring financial coaches and what it really takes to help others change their financial lives.

Whether you’re trying to get out of debt, improve your money habits, stop living paycheck to paycheck, or understand financial coaching, this episode gives you clear, real-world insight you can apply immediately.

Topics covered: financial coaching, debt payoff, budgeting, money habits, paycheck to paycheck, debt snowball, financial mindset, spending habits, holiday spending, personal finance coaching.

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00:00:00 Opening
00:00:41 Introduction to Financial Coaching
00:01:11 What Is Financial Coaching? (Personal Finance Explained)
00:02:19 How Long Financial Coaches Train & Do You Need School?
00:03:17 Dave Ramsey Financial Coaching vs Other Coaches
00:04:29 Budgeting vs Wealth Building vs Debt Elimination
00:07:05 What Happens in Your First Financial Coaching Session
00:08:54 Which Area of Your Finances Is Fixed First
00:12:14 Common Spending Habits That Lead to Debt
00:16:23 Financial Habits a Coach Helps You Build
00:19:49 Why So Many People Live Paycheck to Paycheck
00:21:24 Why People Regress Into Bad Money Habits
00:22:55 How to Afford a Financial Coach While in Debt
00:25:41 The Reality and Stress of Being Broke
00:29:12 What Motivates People During Financial Hard Times
00:30:07 How to Overcome Financial Self-Doubt
00:31:43 Can Spirituality Help Heal Financial Trauma?
00:34:07 The Biggest Challenge When Rebuilding Finances
00:37:28 Why People Take On Debt Again After Paying It Off
00:43:10 What Is the Wangberg Snowball Calculator?
00:44:53 The Psychology of Paying Off Debt
00:46:49 How to Get Cash Back Without Using Credit Cards
00:50:56 Holiday Spending Tips to Avoid Debt
00:53:07 Why the Government Won’t Get You Out of Debt
00:54:19 Advice for New Financial Coaches
00:55:49 David Wangberg Financial Coaching | Contacts & Social Media
00:56:34 Closing Thoughts
00:56:40 Outro

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