February 6, 2025 • 30 mins
Feeling overwhelmed by debt? You're not alone—but you don't have to stay stuck. In this episode, I share my personal debt-free journey, including how my husband and I paid off nearly $400,000, and the life-changing freedom that came with it.
You'll learn:
1️⃣ Why debt freedom should be your top priority in 2025.
2️⃣ Five actionable steps to crush your debt, including how to prioritize, budget, and stay motivated.
3️⃣ How debt weighs on your body, mind, and future—and the incredible relief that comes from paying it off.
It's time to break free from the financial chains and start building wealth for the life you want. Take the first step today!
💡 Need help getting started? Visit AccelerateYourLegacy.com to grab the Better Budget Bootcamp or book a Budget Deep Dive.
🌟 Join the Legacy Builders Network on Facebook for support and accountability.
🎧 Tune in to future episodes and transform your 2025 into a year of financial freedom!
Learn more about working with Laura Sexton
· Become a master with your money. Learn more here!
· Checkout the resource library here!
Want to ask a question Laura can answer on the podcast? Connect with her here!
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Send an email to Laura@AccelerateYourLegacy.com or send a DM on Instagram @accelerateyourlegacy
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Laura (00:02):
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
(00:22):
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
Hey accelerators, today we'regoing to be talking about one of
my absolute favorite topics, howto crush debt so that you can
(00:43):
build wealth this year.
I've been posting a couple ofreels and other regular posts
and stories on Instagram lately.
And I was shocked to find outthat there are people that did
not know my debt free story.
One person in particularcommented on a post of mine was
like, I had no idea you paid offthat much money and she was a
(01:06):
client of mine.
Somebody that I've talked torepeatedly.
And I was like, if you don'tknow, there's so many people
that don't know about my debtfree journey.
And so I'm going to talk withyou a little bit about that
today, but also I want to giveyou actionable steps that you
can take in order to make surethat you follow along on a very
similar journey.
I think debt freedom should be apriority for you in 2025.
(01:28):
And here is why whenever you'rehaving to pay payments, You are
literally paying for your past.
You are having to put moneytowards a previous decision, a
past mistake.
Maybe.
And sometimes we don't even knowwhat we're paying for.
There can be charges on creditcards that you don't even
(01:50):
realize you're paying for asteak dinner you had three years
ago, it can be totally crazy.
But here's the other thing.
Recently this week, I wentthrough an old bill box of mine.
I used to be a severe pack ratand I held on to everything.
And I still have some pack rattendencies and some hoarder
tendencies that my husband likedfor me to stop.
(02:11):
But I hold on to a lot ofthings.
There's a lot of paper clutterthat I organize.
So I feel like I'm doing a goodjob, but it's something that I'm
definitely needing to work on.
And what I realized was that Ihad.
Old bank statements and creditcard statements and loan
statements that I had paid overthe course of a year.
(02:34):
This was September, 2013, no,September, 2020, September, 2012
through October, 2013, so 13months of statements,
essentially, and they wereprivate loan statements because
I had gotten my SAG.
(02:55):
Card and in order to join SAG,there was a very large purchase
price to join that union.
And so I got a loan to join theunion and I had student loans
and I had a car payment.
And I had a multiple creditcards.
I probably should have countedhow many different credit cards
(03:17):
I had at that time because I donot remember how many I had at
the highest point, but this wasprobably right around that time,
right around that highest point.
And I weighed these bills.
I actually put them on a scaleon a, on a food scale.
So it would be a small enoughamount.
And I weighed them to see howmuch they weighed.
(03:39):
It was 2.
9 pounds, 2.
9 pounds of payments.
Just over the course of a yearmultiply that out by the decade
that I was making payments andthat's 30 pounds of pressure.
The truth of the matter is yourbody is going to keep the score.
(04:01):
Your body is going to rememberthat you owe somebody else.
Your body is going to rememberthat you were in debt.
And even though our societytries to make it feel normal,
there's absolutely nothingnormal about three pounds of
pressure sitting on your chest.
If you want to try thissometime, take a three pound
weight, lay down on the groundand put the three pound weight
(04:24):
right on your chest.
Try to breathe deeply.
It's not easy.
After a while, your body willget used to it and eventually
you'll be able to feel like thisis just normal breathing.
And then you take the weight offand you breathe in deeply.
And your lungs fill with air.
(04:45):
It's the first real breathyou've taken.
It feels different.
It feels liberating.
It feels like you can breatheagain.
There's a literal weight on yourbody when you are making
payments.
And there's a psychologicalweight as well.
When you have to constantly bethinking about, well, I have to
(05:07):
make sure I have this paymentin.
And so I can't go out and eat,or if I go out and eat, I have
to put on this credit card.
I have to move this around.
Like, no.
There is a psychological weightto having to play the credit
card game and which one gives mepoints today and how do I, no,
no, just don't, if I can imploreanything on you, it's that you
(05:28):
do not need the complication inyour life that the credit card
game adds or that debt adds, therisk factor, the stress factor,
you don't need that in yourlife.
That deep breathing, that deepbreath, that is what I want for
you.
(05:48):
So what I wanted for me, andthat is why my husband and I, on
the day that we realized he hadcome to me and said, Hey, we
need to talk about filingbankruptcy.
And I didn't understand thatbecause we made over six figures
and I couldn't possibly imaginewhat we would need to pay.
File bankruptcy for how, howcould that be possible?
We make over six figures andwe've been doing okay.
(06:09):
There's been no, you know, wehaven't been late on anything.
What, what do you mean you haveto file bankruptcy?
That was the day that I realizedthat we are paying over 1, 500 a
month in payments, minimumpayments.
That's not true.
That was the day that I realizedthat I was paying 1, 500 a month
in minimum payments.
(06:30):
And I did not know how much hewas paying in minimum payments.
But I was paying 1, 500 a monthin minimum payments and I
realized that I couldn't keepthat up.
I was paying half of my averagewages in debt payments and no, I
wasn't making very much money atthe time.
(06:50):
I was working as a waitress andan actress, so I wasn't making a
whole lot of money and it wasall going to somebody else.
It was all going to interestbecause I was only making
minimum payments.
That was the day that we decidedto change our lives because we
looked up and realized that themountain standing in front of us
was 372, 347 in debt.
(07:14):
And it hurts to think about.
I can remember this dayviscerally.
I remember where I was sitting,how I was feeling, what the room
smelled like.
It's one of the scariest days ofmy life.
To realize what kind of dragonwas coming right at me.
But I am a proud Texas woman.
(07:36):
And if I give my word and say,I'm going to pay my debts back,
then I am going to pay my debtsback.
But you best believe I never putanother cent on a credit card
ever again, because there was noway that I was going to fight
some dragon and then birthanother one.
No, we're not hatching eggs.
(07:56):
We are destroying eggs too.
Big changes had to be madebecause I decided I was no
longer going to live my lifethat way.
And I want this for you as well.
If you guys want more details onmy debt free journey, I am happy
to give a step by step detaileditemized list of everything that
(08:17):
I was facing and how horriblethat day was.
But I want this podcast to bemore about you and your
abilities.
And your ultimate greateroutcome.
So I'm going to give you fiveactionable steps that you can
take to start crushing thedragon of debt this year.
(08:39):
Most people that I work with canpay all of their debts off
anywhere between 18 and 24months.
And I want to go ahead and pushyou my friends.
This is 2025.
This year is going to be a goodyear.
And yes, I say all that knowingthat I'm currently sitting in
between about six differentfires.
I keep getting alarms on myphone for the Palisade and we
(09:02):
have New ones popping up, theSunset Fire, the Hearst Fire,
the Lydia Fire, the Archer Fire,the Kenneth Fire, they are
everywhere around me right now.
But 2025 is going to be a goodyear for all of you that are
listening to this podcast rightnow.
Does not matter what ishappening in the world.
It does not matter what hashappened in your past.
(09:25):
You get to decide what your lifeis going to look like and
whether or not you are going totake actionable steps to create
the life that you love.
No matter the circumstances, youcan find contentment, you can
find joy, and you can directyour steps.
So here's actionable step numberone.
It is one of the easiest steps.
(09:46):
However, this does mean thatyou're going to have to face
down the dragon that is in frontof you.
So step one is list all of yourdebts and prioritize them.
There are multiple ways that youcan prioritize your debt, your
list of debts.
There is the debt snowball, thedebt avalanche, there is
prioritization.
In all honesty, the mosteffective way of paying off your
(10:09):
debts is the way that you aregoing to stick with.
So if one of these resonateswith you more than the other,
great.
But I will tell you that myselfand most of my clients use the
debt snowball method withoutexception.
So what is the debt snowballmethod?
It is listing your debts fromsmallest balance to largest
balance.
And you pay minimums oneverything except for that
(10:30):
smallest balance.
It's the one at the top of themountain.
So then when that is paid off,the minimum payment that you
were paying towards the smallestone goes to the second smallest
one.
Why is it that the debt snowballmethod works better than almost
any other method?
Well, let's look at the debtavalanche method.
The debt avalanche says that youshould pay off the debt that has
(10:53):
the highest interest rate.
Well, most of the time, the onesthat have the highest interest
rates are going to be some ofthese larger ticket items.
Credit cards, especially storecards are going to have the
highest interest rates.
And if you've run those up andyou're looking at a 20, 000
bill, it's going to be hard tosee any progress there.
(11:14):
And if there's no progress,what's the point?
Or at least that's how ourbrains feel.
So the debt snowball method paysoff one, two, three in a row
because they're small and it'seasy to get one, two, three
done.
Because you're paying, I had oneclient that had a 36 credit card
that they were making 5 minimumpayments on every month.
My friends, 36 just paid off,let it go.
(11:38):
And then you get to rip that up,cut up that credit card, never
use it again because it's notactually helping you.
We can get into what happenswhen we cut up our credit cards
and stop using them at anothertime, but today all we are
talking about is how to pay thedebt off.
So list all of your debts andprioritize them.
When is there an exception?
There are occasional exceptionsand here's what I mean.
(11:58):
If you have an IRS bill that youhave been struggling to pay,
that's going to go at the top ofthe debt snowball.
We want to make sure to get theIRS off your back because they
can and they will garnish yourwages.
And then we have a bigger issueat hand.
Credit card companies have avery difficult time getting you
into a courtroom to actually geta judgment, to actually garnish
(12:22):
wages.
Some states, in fact, don'tallow garnishment at all.
We don't want you to get there.
I don't want you to get to aplace where you have.
credit card statements in court.
No, we're going to pay minimums.
We're going to stay on top ofwhat we have going on, but we're
going to put and prioritize allof our extra income towards our
(12:43):
smallest debt so that we can getsome traction going and we can
pay some things off.
Actionable step number two isestablish why you want to pay
the debt off.
If you scroll all the way backinto this podcast history to
episode six, I talk about how todig deep and find a reason why
(13:05):
that is going to keep you ontrack to reach your money goals.
I go below the surface to theemotions behind the goal
setting, and I show you how tochannel those feelings into
determination.
One of the things we talk aboutis how to ask why seven times.
It is very, very important thatyou get to the reason why, why
do I want to own a house.
(13:25):
If I go through the why, and ifyou listen to this podcast,
you'll understand.
I go through the why I want toown a house because I want to
have some space and separationand some peace.
And I want to be a good mom.
And there's something aboutowning a house that has some
room for my kids to run aroundoutside and some separation
between.
My children who are currentlyall sleeping in one bedroom, and
(13:46):
we only have a one common livingspace.
And we're, we're just on top ofeach other right now in this
apartment and I'm ready for achange.
And so I want to own a house.
I don't want it to own me.
So we're trying to make very,very smart decisions on how to
own a house.
And I want peace and I wantcalm.
(14:08):
And I feel like Having extraspace in a house would allow
that for me.
It also is long term wealthbuilding because real estate
tends to go up, if I own thehouse outright and it's 100
percent mine, no one can comeand take it from me.
And that is extra piece,reducing risk in my life.
(14:29):
That is something else that Iwant.
When you're trying to find areason, I say, ask why seven
times because it really helpsyou get to the root of things.
But the reason for yourfinancial goal, the reason for
you getting out of debt, it hasto be your reason.
It can't be.
I want to get out of debtbecause my wife keeps hounding
(14:50):
me.
It can't be.
I want to get out of debtbecause my mom says that's a
good idea.
That's not going to work.
You're not going to ever stickwith it.
Hey guys, it's totally okay ifyour reason is fun.
If you're having a good time, ifyou want to get out of debt so
that you can go on vacationevery year and not have to worry
(15:10):
about it, that's great.
Your long term goals and youremotional drivers are what is
going to keep you moving forwardon this debt freedom journey.
So dig into why you want to paythe debt off, figure out what
that long term goal is andfigure out why You want that
(15:31):
goal.
And once you have found that,you will be well on your way to
wealth building because you willhave gotten control of your
biggest spender and that's you.
So actionable step number three,set up a starter emergency fund.
I tend to follow along with whatDave Ramsey says, and I say, set
(15:53):
up a 1, 000 starter emergencyfund.
Some people want to put anotherachievable amount on it.
And you know what?
It's personal finance.
You get to make your ownpersonal decision.
That's okay.
But I really think that 1, 000is where you want to aim.
1, 000 is something that you canachieve in a 30 day period.
It is a success.
(16:15):
Chance for you to be verysuccessful on a financial goal
in a very short period of time.
That's one of the reasons why Ilove this thousand dollar
emergency fund.
It's just the beginning.
A thousand dollars is not goingto make you feel safe.
But let me tell you, when youowe 372, 347 in debt, you know
what else doesn't make you feelsafe?
(16:37):
A 3, 000 emergency fund.
I know, I tried it.
I had 3, 200 in the bank, andthere's part of me, in my mind,
that said, Oh, I have 3, 200, Ihave money in savings, that's,
that, in case something happens,I'll be okay.
When you're staring down adragon, having a water pistol
next to you does not help.
You do not need extra money inthis account to keep you safe
(17:01):
because you're not safe and yourbody knows that.
So stop holding on to this hopethat money is going to save you.
Money is not your savior.
We don't pay debt off so we canbuild wealth so that we can be
safe.
Money is a tool.
It is not your savior.
So don't lie to yourself andthink that, oh, well, if I have
5, 000 in the bank, then I'll besafe.
(17:22):
Then I'll be okay.
If you have creditors comingafter you, banging down your
door, looking for money, itdoesn't matter how much money
you have in that emergency fund.
Get the creditors off your backas quickly as possible.
And that means a thousanddollars in a savings account for
a starter emergency fund, whichcovers most emergencies.
(17:43):
If you blow a tire and you'rereally in the middle of paying
debt off and you don't have themoney to pay 640 to get four new
tires.
Great.
Get one, replace that tire, thatblue.
Most emergencies can be coveredby 1, 000 and I promise you when
you get to a point where yourdebt is paid off and you have a
(18:04):
fully funded emergency, a 640bill for new tires does not feel
like an emergency.
It feels like an inconvenience.
I was more inconvenienced by theamount of time that my car was
in the shop getting those newtires on than I was writing the
check for 640.
That's where we're getting to.
So let's go back.
(18:25):
What are our actionable stepsthus far?
Step one, list all debts andprioritize them.
I suggest using the debtsnowball.
Step two, establish why you wantto pay the debt off.
Again, connecting to your longterm goals and your emotional
drivers are going to help youstay motivated and actually get
the work done.
Step three, set up a starteremergency fund.
(18:46):
1, 000 is fine.
Step four, create a budget thatreflects your priorities and
eliminates unnecessary spending.
I love budgets.
Some people don't like the word,they call it the B word.
They're like, Oh, I don't wantto talk about the B word.
Gross.
Nobody wants a budget.
Budgets are for people that arebroke.
My friend, if you have debt,you're broke.
You owe somebody else money.
That's a negative net worth.
(19:06):
That's no good for you.
So go ahead and make a budget.
And when we are no longer indebt and we no longer owe money
to other people, we can call ita spending plan and we can
prioritize our spending on funthings.
But for right now, we are tryingto crush debt.
So build a budget that reflectsyour priorities and then
eliminate any unnecessaryspending.
(19:28):
If you've never made a budgetbefore, I highly recommend
grabbing my Better BudgetBootcamp.
It is a five day mini course, 15minutes a day for five days.
It will only cost you 27.
At the end of it, you will havea budget based on your
priorities and your values andthe things that are necessary to
your family.
We are going to eliminateanything that is unnecessary so
(19:51):
that you can actually maketraction on paying these debts
off.
You are going to have to make adecision on where your money
goes.
If you want to have Netflix, andHulu, and Disney, and Peacock,
and CBS, and, and, and, and,that's where your money's going
to go.
It's not going to go to the debtpayoff.
This is why we want to drilldown on what your why is,
(20:13):
because I have a couple clientsthat I have been working with
lately, and they finally decidedthey're going to get rid of
their nanny.
And for them, that's a reallybig deal.
They have 4 children and some ofthem are in need of a little
extra attention and having anextra set of hands has been
(20:35):
invaluable.
They have decided that it is abigger priority for them to stay
in their house and keep theirkids in the schools that they
are in than it is to have thisextra person in the home.
Now it's hard to make thesedecisions.
It's going to be difficult forthem to change the way that they
have been living, but becausethey're making this change,
(20:59):
they're going to have an extra$22,000 at the end of next year.
At the end of 2025, they'll beable to put an extra$22,000
towards their debt payoff.
They're going to get to keeptheir house.
They just have to make somechanges, and it's hard.
I'm not even going to pretendlike it's not hard.
(21:19):
It's incredibly difficult.
My husband and I went from himhaving a 10 minute bike ride to
work to a one hour commute eachway to work.
That sucks.
It sucks for our family.
I hate that he's gone as much ashe is.
I wish that he didn't have toleave the house before the sun
comes up.
But we made a decision that ourfamily and our future was more
(21:45):
important than the comforts ofright now.
Create a budget that reflectsyour priorities, what you want
most, and eliminate unnecessaryspending, which is the stuff
that you want right now.
Actionable step number five,celebrate small wins along the
way.
This will help you staymotivated.
(22:05):
Small win celebrations do nothave to be expensive.
They do not have to be crazy.
We're not taking ourselves out.
Hey, I paid off that littlebitty credit card that was 36.
So I'm going to take myself outto dinner and it's going to cost
me 140.
Friends, that doesn't make anysense, but there are plenty of
ways for you to celebrate andstay motivated that aren't going
(22:26):
to break the bank.
Taking yourself to the beach,taking yourself on a hike, maybe
you can call in and tell me somegreat ways that you have thought
to have a small win celebration.
The small wins paying off thedebt, small wins staying within
budget for the first time, smallwins staying within budget the
(22:49):
second time.
I want you to celebrate everylittle change that you are
making because I want you tostay motivated.
I want you to cross the finishline.
Some tips for staying motivatedbecause I think it's very
important is to actuallyvisualize the finish line.
Sometimes that is creating adebt free chart or tracker,
(23:10):
something that you can color inwhen you've made it a little bit
further.
I know a lot of people havethese.
You can download them for freeoff of the internet.
I think having A chain that youput up in your house.
I know a lot of people that dothis where every time you pay 50
you get to break the crepe paperchain.
That's fun because then you'regetting to destroy stuff and I
(23:32):
like to break stuff.
Getting an actual picture onwhat the finish line looks like
is incredibly valuable.
And I've talked about thisbefore recently, but there's
something about visualizing whatthings look like, visualizing,
looking ahead, seeing what theend result is going to be.
Because your brain, when you,when you visualize it deeply,
(23:53):
your brain does not know thedifference between reality and
the dream that you were creatingfor yourself.
And so your brain starts to livein this.
Pseudoreality of, oh, we'vealready reached that goal.
That's already happened.
Visualize what it looks like tohit that finish line.
And your body is going to beginto align with being a person
(24:15):
that crosses that finish line.
Maybe you need to find someaccountability.
You need a partner to walkalongside you.
Maybe you need a coach to helphold you accountable to the
things that you say you wantmost.
You can find community.
There are debt free communitieson Facebook.
I know that I am working veryhard to create a Facebook group
right now called the LegacyBuilders Network, where we can
(24:38):
all get together on Facebook andhave conversations about our
small wins.
I want you to stay motivated andI want to be able to have that
as a place for you.
And so that is being built out.
It's not thriving yet, but itwill be soon.
This is the very beginning of2025.
So if you're listening to thisin the future, go look it up
(24:59):
because it will be thriving atsome point.
While you're staying motivated,continue to reward your
milestones without derailing theprocess.
I know when my husband and Iwere paying off nearly 400, 000
in debt, we intentionally pausedour baby steps and would take
small staycations.
While we were paying all of ourdebt off, we had a second child.
(25:23):
And sometimes you just need toget out of the house and you
need to do something.
So we drove up the road about 30minutes and stayed in a nice
little Airbnb.
We just relaxed for a weekend.
We didn't spend a whole lot ofmoney.
It was not, I believe our wholetrip cost us 350.
It was not crazy.
(25:45):
Sometimes you have to stop andreward yourself for the good job
that you were doing because myhusband was working tons of
overtime.
I had just quit my job becausewe had the second child and I
couldn't put them in daycare.
So we found ways to rewardourselves without derailing our
progress.
(26:05):
And when it's time to bemotivated to keep going, you
need a cheerleader in yourcorner, because you're going to
get to that finish lineeventually.
The question is, how fast areyou going to get there?
The faster you get there, theeasier it is to stay in the debt
free life.
The faster you get anywhere,that's why I want you to have a
(26:27):
thousand dollar emergency fund.
I want you to get there quickly.
When it comes to paying offdebt, I don't want it to take
years.
I had one client that came to meand she goes, well, it's going
to take me about nine years.
I was like, yeah, if you payminimums on everything, it'll
take forever.
I don't want it to take forever.
I want it to take 12 months.
I sat down, I crunched numberswith her and I told her, I said,
it's going to take you 24 monthsto get this paid off.
(26:49):
She's like, no, it's nine years.
I said, no, it's 24 months.
Ended up taking her 25 becauseshe also bought a car in that
time.
I am more than happy to cheeryou on along the way.
I am more than happy to give youhope and I am more than happy to
help you find ways to get thisdone quickly.
So you don't have to languish init.
I'm going to encourage you tolook up my Facebook group, the
(27:11):
Legacy Builders Network on, onFacebook.
Look it up.
I want to share in yourprogress.
I want to encourage you alongthe way.
I want to cheer you on and Iwant other people to see you win
so they know that they can wintoo.
That's why we get cheerleadersaround us because I know you can
do it because I did it.
(27:32):
And I know you can do it becauseI help other people do it every
single day.
If you've never made a budgetbefore, get on my website,
accelerateyourlegacy.
com slash resources and click onthe better budget bootcamp.
It will cost you 27 in 15minutes a day for five days.
And you will get to a placewhere you have a budget that
(27:53):
works for you.
If you need help figuring outyour debt payoff plan, it's my
favorite thing to do withpeople.
Let's have a budget deep divewhere I sit down and I help you
go through and optimize yourincome, optimize your debt
payoff, optimize your savings.
Let's optimize everything.
The goal of me telling you aboutmy debt payoff journey is so
(28:16):
that you know that you can do ittoo.
I would love for you to come onmy podcast and say, you know, I
heard Laura talk about this atthe beginning of 2025 and I've
now paid off all of my debt.
10, 000 gone, 20, 000 gone.
91, 000 gone in 25 months.
(28:37):
As a single woman working on herown, she paid off 91, 000.
Don't tell me you can't do this.
I know you can.
I know you can, and I know whatfreedom feels like my friends.
If you don't believe me, Iencourage you to take a three
pound weight, lay down on thefloor, put that on your chest
(28:58):
and try to feel what breathingfeels like.
Give yourself 10 minutes ofgetting used to a three pound
weight on your chest, and thentake it off and feel what
breathing freely feels like.
I promise you that's what itfeels like to lay your debt down
and never pick it up again.
I know that some of this todaygot a little preachy.
It got a little heavy, but I amso motivated to help people pay
(29:22):
off debt because I know whatit's doing to your brain.
I know what it's doing to yourheart.
I know the pressure that is onyour shoulders.
I know what it feels like whenthat pressure has lifted.
And then you are a hundredpercent in control of your money
and where it goes and all of theinterest from now until forever.
(29:44):
Once that debt payoff, that lastfinal payment has been made, 100
percent of your interest goesback into your pocket
accelerators.
Today's the day for you to makea change in your life and then
go out and make a difference.
thank you for spending time withus today on Money and Career
(30:06):
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
(30:28):
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
(00:22):
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
Hey accelerators, today we'regoing to be talking about one of
my absolute favorite topics, howto crush debt so that you can
(00:43):
build wealth this year.
I've been posting a couple ofreels and other regular posts
and stories on Instagram lately.
And I was shocked to find outthat there are people that did
not know my debt free story.
One person in particularcommented on a post of mine was
like, I had no idea you paid offthat much money and she was a
(01:06):
client of mine.
Somebody that I've talked torepeatedly.
And I was like, if you don'tknow, there's so many people
that don't know about my debtfree journey.
And so I'm going to talk withyou a little bit about that
today, but also I want to giveyou actionable steps that you
can take in order to make surethat you follow along on a very
similar journey.
I think debt freedom should be apriority for you in 2025.
(01:28):
And here is why whenever you'rehaving to pay payments, You are
literally paying for your past.
You are having to put moneytowards a previous decision, a
past mistake.
Maybe.
And sometimes we don't even knowwhat we're paying for.
There can be charges on creditcards that you don't even
(01:50):
realize you're paying for asteak dinner you had three years
ago, it can be totally crazy.
But here's the other thing.
Recently this week, I wentthrough an old bill box of mine.
I used to be a severe pack ratand I held on to everything.
And I still have some pack rattendencies and some hoarder
tendencies that my husband likedfor me to stop.
(02:11):
But I hold on to a lot ofthings.
There's a lot of paper clutterthat I organize.
So I feel like I'm doing a goodjob, but it's something that I'm
definitely needing to work on.
And what I realized was that Ihad.
Old bank statements and creditcard statements and loan
statements that I had paid overthe course of a year.
(02:34):
This was September, 2013, no,September, 2020, September, 2012
through October, 2013, so 13months of statements,
essentially, and they wereprivate loan statements because
I had gotten my SAG.
(02:55):
Card and in order to join SAG,there was a very large purchase
price to join that union.
And so I got a loan to join theunion and I had student loans
and I had a car payment.
And I had a multiple creditcards.
I probably should have countedhow many different credit cards
(03:17):
I had at that time because I donot remember how many I had at
the highest point, but this wasprobably right around that time,
right around that highest point.
And I weighed these bills.
I actually put them on a scaleon a, on a food scale.
So it would be a small enoughamount.
And I weighed them to see howmuch they weighed.
(03:39):
It was 2.
9 pounds, 2.
9 pounds of payments.
Just over the course of a yearmultiply that out by the decade
that I was making payments andthat's 30 pounds of pressure.
The truth of the matter is yourbody is going to keep the score.
(04:01):
Your body is going to rememberthat you owe somebody else.
Your body is going to rememberthat you were in debt.
And even though our societytries to make it feel normal,
there's absolutely nothingnormal about three pounds of
pressure sitting on your chest.
If you want to try thissometime, take a three pound
weight, lay down on the groundand put the three pound weight
(04:24):
right on your chest.
Try to breathe deeply.
It's not easy.
After a while, your body willget used to it and eventually
you'll be able to feel like thisis just normal breathing.
And then you take the weight offand you breathe in deeply.
And your lungs fill with air.
(04:45):
It's the first real breathyou've taken.
It feels different.
It feels liberating.
It feels like you can breatheagain.
There's a literal weight on yourbody when you are making
payments.
And there's a psychologicalweight as well.
When you have to constantly bethinking about, well, I have to
(05:07):
make sure I have this paymentin.
And so I can't go out and eat,or if I go out and eat, I have
to put on this credit card.
I have to move this around.
Like, no.
There is a psychological weightto having to play the credit
card game and which one gives mepoints today and how do I, no,
no, just don't, if I can imploreanything on you, it's that you
(05:28):
do not need the complication inyour life that the credit card
game adds or that debt adds, therisk factor, the stress factor,
you don't need that in yourlife.
That deep breathing, that deepbreath, that is what I want for
you.
(05:48):
So what I wanted for me, andthat is why my husband and I, on
the day that we realized he hadcome to me and said, Hey, we
need to talk about filingbankruptcy.
And I didn't understand thatbecause we made over six figures
and I couldn't possibly imaginewhat we would need to pay.
File bankruptcy for how, howcould that be possible?
We make over six figures andwe've been doing okay.
(06:09):
There's been no, you know, wehaven't been late on anything.
What, what do you mean you haveto file bankruptcy?
That was the day that I realizedthat we are paying over 1, 500 a
month in payments, minimumpayments.
That's not true.
That was the day that I realizedthat I was paying 1, 500 a month
in minimum payments.
(06:30):
And I did not know how much hewas paying in minimum payments.
But I was paying 1, 500 a monthin minimum payments and I
realized that I couldn't keepthat up.
I was paying half of my averagewages in debt payments and no, I
wasn't making very much money atthe time.
(06:50):
I was working as a waitress andan actress, so I wasn't making a
whole lot of money and it wasall going to somebody else.
It was all going to interestbecause I was only making
minimum payments.
That was the day that we decidedto change our lives because we
looked up and realized that themountain standing in front of us
was 372, 347 in debt.
(07:14):
And it hurts to think about.
I can remember this dayviscerally.
I remember where I was sitting,how I was feeling, what the room
smelled like.
It's one of the scariest days ofmy life.
To realize what kind of dragonwas coming right at me.
But I am a proud Texas woman.
(07:36):
And if I give my word and say,I'm going to pay my debts back,
then I am going to pay my debtsback.
But you best believe I never putanother cent on a credit card
ever again, because there was noway that I was going to fight
some dragon and then birthanother one.
No, we're not hatching eggs.
(07:56):
We are destroying eggs too.
Big changes had to be madebecause I decided I was no
longer going to live my lifethat way.
And I want this for you as well.
If you guys want more details onmy debt free journey, I am happy
to give a step by step detaileditemized list of everything that
(08:17):
I was facing and how horriblethat day was.
But I want this podcast to bemore about you and your
abilities.
And your ultimate greateroutcome.
So I'm going to give you fiveactionable steps that you can
take to start crushing thedragon of debt this year.
(08:39):
Most people that I work with canpay all of their debts off
anywhere between 18 and 24months.
And I want to go ahead and pushyou my friends.
This is 2025.
This year is going to be a goodyear.
And yes, I say all that knowingthat I'm currently sitting in
between about six differentfires.
I keep getting alarms on myphone for the Palisade and we
(09:02):
have New ones popping up, theSunset Fire, the Hearst Fire,
the Lydia Fire, the Archer Fire,the Kenneth Fire, they are
everywhere around me right now.
But 2025 is going to be a goodyear for all of you that are
listening to this podcast rightnow.
Does not matter what ishappening in the world.
It does not matter what hashappened in your past.
(09:25):
You get to decide what your lifeis going to look like and
whether or not you are going totake actionable steps to create
the life that you love.
No matter the circumstances, youcan find contentment, you can
find joy, and you can directyour steps.
So here's actionable step numberone.
It is one of the easiest steps.
(09:46):
However, this does mean thatyou're going to have to face
down the dragon that is in frontof you.
So step one is list all of yourdebts and prioritize them.
There are multiple ways that youcan prioritize your debt, your
list of debts.
There is the debt snowball, thedebt avalanche, there is
prioritization.
In all honesty, the mosteffective way of paying off your
(10:09):
debts is the way that you aregoing to stick with.
So if one of these resonateswith you more than the other,
great.
But I will tell you that myselfand most of my clients use the
debt snowball method withoutexception.
So what is the debt snowballmethod?
It is listing your debts fromsmallest balance to largest
balance.
And you pay minimums oneverything except for that
(10:30):
smallest balance.
It's the one at the top of themountain.
So then when that is paid off,the minimum payment that you
were paying towards the smallestone goes to the second smallest
one.
Why is it that the debt snowballmethod works better than almost
any other method?
Well, let's look at the debtavalanche method.
The debt avalanche says that youshould pay off the debt that has
(10:53):
the highest interest rate.
Well, most of the time, the onesthat have the highest interest
rates are going to be some ofthese larger ticket items.
Credit cards, especially storecards are going to have the
highest interest rates.
And if you've run those up andyou're looking at a 20, 000
bill, it's going to be hard tosee any progress there.
(11:14):
And if there's no progress,what's the point?
Or at least that's how ourbrains feel.
So the debt snowball method paysoff one, two, three in a row
because they're small and it'seasy to get one, two, three
done.
Because you're paying, I had oneclient that had a 36 credit card
that they were making 5 minimumpayments on every month.
My friends, 36 just paid off,let it go.
(11:38):
And then you get to rip that up,cut up that credit card, never
use it again because it's notactually helping you.
We can get into what happenswhen we cut up our credit cards
and stop using them at anothertime, but today all we are
talking about is how to pay thedebt off.
So list all of your debts andprioritize them.
When is there an exception?
There are occasional exceptionsand here's what I mean.
(11:58):
If you have an IRS bill that youhave been struggling to pay,
that's going to go at the top ofthe debt snowball.
We want to make sure to get theIRS off your back because they
can and they will garnish yourwages.
And then we have a bigger issueat hand.
Credit card companies have avery difficult time getting you
into a courtroom to actually geta judgment, to actually garnish
(12:22):
wages.
Some states, in fact, don'tallow garnishment at all.
We don't want you to get there.
I don't want you to get to aplace where you have.
credit card statements in court.
No, we're going to pay minimums.
We're going to stay on top ofwhat we have going on, but we're
going to put and prioritize allof our extra income towards our
(12:43):
smallest debt so that we can getsome traction going and we can
pay some things off.
Actionable step number two isestablish why you want to pay
the debt off.
If you scroll all the way backinto this podcast history to
episode six, I talk about how todig deep and find a reason why
(13:05):
that is going to keep you ontrack to reach your money goals.
I go below the surface to theemotions behind the goal
setting, and I show you how tochannel those feelings into
determination.
One of the things we talk aboutis how to ask why seven times.
It is very, very important thatyou get to the reason why, why
do I want to own a house.
(13:25):
If I go through the why, and ifyou listen to this podcast,
you'll understand.
I go through the why I want toown a house because I want to
have some space and separationand some peace.
And I want to be a good mom.
And there's something aboutowning a house that has some
room for my kids to run aroundoutside and some separation
between.
My children who are currentlyall sleeping in one bedroom, and
(13:46):
we only have a one common livingspace.
And we're, we're just on top ofeach other right now in this
apartment and I'm ready for achange.
And so I want to own a house.
I don't want it to own me.
So we're trying to make very,very smart decisions on how to
own a house.
And I want peace and I wantcalm.
(14:08):
And I feel like Having extraspace in a house would allow
that for me.
It also is long term wealthbuilding because real estate
tends to go up, if I own thehouse outright and it's 100
percent mine, no one can comeand take it from me.
And that is extra piece,reducing risk in my life.
(14:29):
That is something else that Iwant.
When you're trying to find areason, I say, ask why seven
times because it really helpsyou get to the root of things.
But the reason for yourfinancial goal, the reason for
you getting out of debt, it hasto be your reason.
It can't be.
I want to get out of debtbecause my wife keeps hounding
(14:50):
me.
It can't be.
I want to get out of debtbecause my mom says that's a
good idea.
That's not going to work.
You're not going to ever stickwith it.
Hey guys, it's totally okay ifyour reason is fun.
If you're having a good time, ifyou want to get out of debt so
that you can go on vacationevery year and not have to worry
(15:10):
about it, that's great.
Your long term goals and youremotional drivers are what is
going to keep you moving forwardon this debt freedom journey.
So dig into why you want to paythe debt off, figure out what
that long term goal is andfigure out why You want that
(15:31):
goal.
And once you have found that,you will be well on your way to
wealth building because you willhave gotten control of your
biggest spender and that's you.
So actionable step number three,set up a starter emergency fund.
I tend to follow along with whatDave Ramsey says, and I say, set
(15:53):
up a 1, 000 starter emergencyfund.
Some people want to put anotherachievable amount on it.
And you know what?
It's personal finance.
You get to make your ownpersonal decision.
That's okay.
But I really think that 1, 000is where you want to aim.
1, 000 is something that you canachieve in a 30 day period.
It is a success.
(16:15):
Chance for you to be verysuccessful on a financial goal
in a very short period of time.
That's one of the reasons why Ilove this thousand dollar
emergency fund.
It's just the beginning.
A thousand dollars is not goingto make you feel safe.
But let me tell you, when youowe 372, 347 in debt, you know
what else doesn't make you feelsafe?
(16:37):
A 3, 000 emergency fund.
I know, I tried it.
I had 3, 200 in the bank, andthere's part of me, in my mind,
that said, Oh, I have 3, 200, Ihave money in savings, that's,
that, in case something happens,I'll be okay.
When you're staring down adragon, having a water pistol
next to you does not help.
You do not need extra money inthis account to keep you safe
(17:01):
because you're not safe and yourbody knows that.
So stop holding on to this hopethat money is going to save you.
Money is not your savior.
We don't pay debt off so we canbuild wealth so that we can be
safe.
Money is a tool.
It is not your savior.
So don't lie to yourself andthink that, oh, well, if I have
5, 000 in the bank, then I'll besafe.
(17:22):
Then I'll be okay.
If you have creditors comingafter you, banging down your
door, looking for money, itdoesn't matter how much money
you have in that emergency fund.
Get the creditors off your backas quickly as possible.
And that means a thousanddollars in a savings account for
a starter emergency fund, whichcovers most emergencies.
(17:43):
If you blow a tire and you'rereally in the middle of paying
debt off and you don't have themoney to pay 640 to get four new
tires.
Great.
Get one, replace that tire, thatblue.
Most emergencies can be coveredby 1, 000 and I promise you when
you get to a point where yourdebt is paid off and you have a
(18:04):
fully funded emergency, a 640bill for new tires does not feel
like an emergency.
It feels like an inconvenience.
I was more inconvenienced by theamount of time that my car was
in the shop getting those newtires on than I was writing the
check for 640.
That's where we're getting to.
So let's go back.
(18:25):
What are our actionable stepsthus far?
Step one, list all debts andprioritize them.
I suggest using the debtsnowball.
Step two, establish why you wantto pay the debt off.
Again, connecting to your longterm goals and your emotional
drivers are going to help youstay motivated and actually get
the work done.
Step three, set up a starteremergency fund.
(18:46):
1, 000 is fine.
Step four, create a budget thatreflects your priorities and
eliminates unnecessary spending.
I love budgets.
Some people don't like the word,they call it the B word.
They're like, Oh, I don't wantto talk about the B word.
Gross.
Nobody wants a budget.
Budgets are for people that arebroke.
My friend, if you have debt,you're broke.
You owe somebody else money.
That's a negative net worth.
(19:06):
That's no good for you.
So go ahead and make a budget.
And when we are no longer indebt and we no longer owe money
to other people, we can call ita spending plan and we can
prioritize our spending on funthings.
But for right now, we are tryingto crush debt.
So build a budget that reflectsyour priorities and then
eliminate any unnecessaryspending.
(19:28):
If you've never made a budgetbefore, I highly recommend
grabbing my Better BudgetBootcamp.
It is a five day mini course, 15minutes a day for five days.
It will only cost you 27.
At the end of it, you will havea budget based on your
priorities and your values andthe things that are necessary to
your family.
We are going to eliminateanything that is unnecessary so
(19:51):
that you can actually maketraction on paying these debts
off.
You are going to have to make adecision on where your money
goes.
If you want to have Netflix, andHulu, and Disney, and Peacock,
and CBS, and, and, and, and,that's where your money's going
to go.
It's not going to go to the debtpayoff.
This is why we want to drilldown on what your why is,
(20:13):
because I have a couple clientsthat I have been working with
lately, and they finally decidedthey're going to get rid of
their nanny.
And for them, that's a reallybig deal.
They have 4 children and some ofthem are in need of a little
extra attention and having anextra set of hands has been
(20:35):
invaluable.
They have decided that it is abigger priority for them to stay
in their house and keep theirkids in the schools that they
are in than it is to have thisextra person in the home.
Now it's hard to make thesedecisions.
It's going to be difficult forthem to change the way that they
have been living, but becausethey're making this change,
(20:59):
they're going to have an extra$22,000 at the end of next year.
At the end of 2025, they'll beable to put an extra$22,000
towards their debt payoff.
They're going to get to keeptheir house.
They just have to make somechanges, and it's hard.
I'm not even going to pretendlike it's not hard.
(21:19):
It's incredibly difficult.
My husband and I went from himhaving a 10 minute bike ride to
work to a one hour commute eachway to work.
That sucks.
It sucks for our family.
I hate that he's gone as much ashe is.
I wish that he didn't have toleave the house before the sun
comes up.
But we made a decision that ourfamily and our future was more
(21:45):
important than the comforts ofright now.
Create a budget that reflectsyour priorities, what you want
most, and eliminate unnecessaryspending, which is the stuff
that you want right now.
Actionable step number five,celebrate small wins along the
way.
This will help you staymotivated.
(22:05):
Small win celebrations do nothave to be expensive.
They do not have to be crazy.
We're not taking ourselves out.
Hey, I paid off that littlebitty credit card that was 36.
So I'm going to take myself outto dinner and it's going to cost
me 140.
Friends, that doesn't make anysense, but there are plenty of
ways for you to celebrate andstay motivated that aren't going
(22:26):
to break the bank.
Taking yourself to the beach,taking yourself on a hike, maybe
you can call in and tell me somegreat ways that you have thought
to have a small win celebration.
The small wins paying off thedebt, small wins staying within
budget for the first time, smallwins staying within budget the
(22:49):
second time.
I want you to celebrate everylittle change that you are
making because I want you tostay motivated.
I want you to cross the finishline.
Some tips for staying motivatedbecause I think it's very
important is to actuallyvisualize the finish line.
Sometimes that is creating adebt free chart or tracker,
(23:10):
something that you can color inwhen you've made it a little bit
further.
I know a lot of people havethese.
You can download them for freeoff of the internet.
I think having A chain that youput up in your house.
I know a lot of people that dothis where every time you pay 50
you get to break the crepe paperchain.
That's fun because then you'regetting to destroy stuff and I
(23:32):
like to break stuff.
Getting an actual picture onwhat the finish line looks like
is incredibly valuable.
And I've talked about thisbefore recently, but there's
something about visualizing whatthings look like, visualizing,
looking ahead, seeing what theend result is going to be.
Because your brain, when you,when you visualize it deeply,
(23:53):
your brain does not know thedifference between reality and
the dream that you were creatingfor yourself.
And so your brain starts to livein this.
Pseudoreality of, oh, we'vealready reached that goal.
That's already happened.
Visualize what it looks like tohit that finish line.
And your body is going to beginto align with being a person
(24:15):
that crosses that finish line.
Maybe you need to find someaccountability.
You need a partner to walkalongside you.
Maybe you need a coach to helphold you accountable to the
things that you say you wantmost.
You can find community.
There are debt free communitieson Facebook.
I know that I am working veryhard to create a Facebook group
right now called the LegacyBuilders Network, where we can
(24:38):
all get together on Facebook andhave conversations about our
small wins.
I want you to stay motivated andI want to be able to have that
as a place for you.
And so that is being built out.
It's not thriving yet, but itwill be soon.
This is the very beginning of2025.
So if you're listening to thisin the future, go look it up
(24:59):
because it will be thriving atsome point.
While you're staying motivated,continue to reward your
milestones without derailing theprocess.
I know when my husband and Iwere paying off nearly 400, 000
in debt, we intentionally pausedour baby steps and would take
small staycations.
While we were paying all of ourdebt off, we had a second child.
(25:23):
And sometimes you just need toget out of the house and you
need to do something.
So we drove up the road about 30minutes and stayed in a nice
little Airbnb.
We just relaxed for a weekend.
We didn't spend a whole lot ofmoney.
It was not, I believe our wholetrip cost us 350.
It was not crazy.
(25:45):
Sometimes you have to stop andreward yourself for the good job
that you were doing because myhusband was working tons of
overtime.
I had just quit my job becausewe had the second child and I
couldn't put them in daycare.
So we found ways to rewardourselves without derailing our
progress.
(26:05):
And when it's time to bemotivated to keep going, you
need a cheerleader in yourcorner, because you're going to
get to that finish lineeventually.
The question is, how fast areyou going to get there?
The faster you get there, theeasier it is to stay in the debt
free life.
The faster you get anywhere,that's why I want you to have a
(26:27):
thousand dollar emergency fund.
I want you to get there quickly.
When it comes to paying offdebt, I don't want it to take
years.
I had one client that came to meand she goes, well, it's going
to take me about nine years.
I was like, yeah, if you payminimums on everything, it'll
take forever.
I don't want it to take forever.
I want it to take 12 months.
I sat down, I crunched numberswith her and I told her, I said,
it's going to take you 24 monthsto get this paid off.
(26:49):
She's like, no, it's nine years.
I said, no, it's 24 months.
Ended up taking her 25 becauseshe also bought a car in that
time.
I am more than happy to cheeryou on along the way.
I am more than happy to give youhope and I am more than happy to
help you find ways to get thisdone quickly.
So you don't have to languish init.
I'm going to encourage you tolook up my Facebook group, the
(27:11):
Legacy Builders Network on, onFacebook.
Look it up.
I want to share in yourprogress.
I want to encourage you alongthe way.
I want to cheer you on and Iwant other people to see you win
so they know that they can wintoo.
That's why we get cheerleadersaround us because I know you can
do it because I did it.
(27:32):
And I know you can do it becauseI help other people do it every
single day.
If you've never made a budgetbefore, get on my website,
accelerateyourlegacy.
com slash resources and click onthe better budget bootcamp.
It will cost you 27 in 15minutes a day for five days.
And you will get to a placewhere you have a budget that
(27:53):
works for you.
If you need help figuring outyour debt payoff plan, it's my
favorite thing to do withpeople.
Let's have a budget deep divewhere I sit down and I help you
go through and optimize yourincome, optimize your debt
payoff, optimize your savings.
Let's optimize everything.
The goal of me telling you aboutmy debt payoff journey is so
(28:16):
that you know that you can do ittoo.
I would love for you to come onmy podcast and say, you know, I
heard Laura talk about this atthe beginning of 2025 and I've
now paid off all of my debt.
10, 000 gone, 20, 000 gone.
91, 000 gone in 25 months.
(28:37):
As a single woman working on herown, she paid off 91, 000.
Don't tell me you can't do this.
I know you can.
I know you can, and I know whatfreedom feels like my friends.
If you don't believe me, Iencourage you to take a three
pound weight, lay down on thefloor, put that on your chest
(28:58):
and try to feel what breathingfeels like.
Give yourself 10 minutes ofgetting used to a three pound
weight on your chest, and thentake it off and feel what
breathing freely feels like.
I promise you that's what itfeels like to lay your debt down
and never pick it up again.
I know that some of this todaygot a little preachy.
It got a little heavy, but I amso motivated to help people pay
(29:22):
off debt because I know whatit's doing to your brain.
I know what it's doing to yourheart.
I know the pressure that is onyour shoulders.
I know what it feels like whenthat pressure has lifted.
And then you are a hundredpercent in control of your money
and where it goes and all of theinterest from now until forever.
(29:44):
Once that debt payoff, that lastfinal payment has been made, 100
percent of your interest goesback into your pocket
accelerators.
Today's the day for you to makea change in your life and then
go out and make a difference.
thank you for spending time withus today on Money and Career
(30:06):
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
(30:28):
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
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