With the New Year comes a time of reflection!  One of the things that you may be looking at to make a change in 2015 is a way to remove that constant worry of debt.  Debt can ruin relationships, your personal health, your dreams, your retirement plans, and your overall financial wealth! Join me today as my guest, Greg Melia, President of Melia Advisory Group (http://meliaadvisorygroup.com/), and I discuss the step by step actions needed to get out of debt this year! Some of the topics we will be discussing include: * Are you a spender or a saver? If you are an out-of-control spender…there will never be enough! * Marriage, Divorce, and the #1 cause of divorce – Debt! * Are you willing to “Get Real” and do what it takes to get out of debt! * Why Bankruptcy is not the answer! Debt can also be devastating to your home buying goals!  For more information on what to do to get pre-approved or any of my home buying education products to make your home buying dreams come true, check out my website at www.karensimpsonhankins.com (http://www.karensimpsonhankins.com/).