Summary   In this episode of the Kind Regards podcast, Zamiwe Mwape and Jane Mazimba delve into the practicalities of getting out of debt, emphasizing the importance of mental health in financial distress. They discuss actionable steps for debt management, the significance of generating extra income, and leveraging personal talents for financial growth. Jane also shares insights from her book, 'Catching Fire', which offers a unique 52-week journey to financial literacy, tailored to the Zambian context. The conversation concludes with a call to action for listeners to conduct a personal finance audit and to dream big while taking actionable steps towards their financial goals.   Takeaways There's always a way out of debt. Financial distress can lead to severe mental health issues. Understanding your debts is crucial for management. Extra income can significantly aid in financial recovery. Leveraging personal talents can create additional revenue streams. Setting clear financial goals is essential for success. Catching Fire offers a unique approach to personal finance. Dreaming big can lead to unexpected opportunities. Execution of financial plans is more important than just setting goals. Conducting a personal finance audit is a vital first step.   Chapters 00:00 Introduction to Debt Management 02:54 Understanding Financial Distress and Mental Health 05:46 Practical Steps to Get Out of Debt 09:06 The Importance of Extra Income 11:52 Leveraging Talents for Financial Growth 17:51 Catching Fire: A Unique Approach to Personal Finance 24:56 Structuring Financial Goals and Dreams 30:11 Final Thoughts, Quote and Call to Action Purchase "Cathing F.I.R.E" by Jane Mazimba on Amazon