On today‘s episode, we meet Kathleen. She was forced to sell her music school business nearly ten years ago but was still left with significant debt. Over the years, as she started a new career, that debt steadily grew and she was told her bankruptcy was the easiest way out. Rather than going bankrupt, Kathleen turned to “spending planner” Carolyn Moes for help. Kathleen and Carolyn tell us the steps they have taken to turn Kathleen’s finances around, why ignoring debt is never the answer and what exactly a spending planner does.