When my clients come to me with anxiety about their debt, I tell them, “Clarity is the first weapon against debt. It’s critical to get everything out in the open. When things are in the dark, they can seem much scarier than if they are brought into the light. I explain it might feel uncomfortable to see it all at once, but write it all down…every balance, interest rate, minimum payment, and where it’s coming from, because disorganization is what lets debt quietly grow into something overwhelming. Once the full picture comes into view, a plan can be created to tackle that debt that actually works for their life. I’m a good referral for the couple who are losing sleep because of their financial situation. Connect us, and I’ll guide them through a process to take control, ease the stress, and find financial harmony. And start to sleep better at night Tom Wallace - Wallace Financial Coaching