Ep 13 - The Truth About Debt: How to Use It, Beat It, and Stop Feeling Bad About It

Your Money Guide on the Side

Is All Debt Bad? What the Wealthy Know That Most People Don’t

Debt doesn’t have to be your enemy—and in this solo episode, Tyler Gardner breaks down how to make smarter decisions about debt, ditch shame, and leverage it as a tool for long-term wealth.

Whether you’re currently drowning in high-interest credit cards, juggling student loans, or just debating whether to pay off your 3% mortgage early, this episode is your new north star for how to think clearly about debt. You’ll learn how to:

✅ Decide whether to pay off debt or invest
✅ Use a practical ranking system to tackle your debt (hello, Debt Emergency Scale!)
✅ Think about opportunity cost like an investor
✅ Understand the psychological weight of debt—and why some people sleep soundly with it while others spiral
✅ Use the avalanche or snowball method depending on your own wiring
✅ Flip the script: how leverage (yes, debt!) can be used strategically to build wealth the way entrepreneurs and investors do every day

Plus, Tyler shares a vulnerable reminder that debt isn't a moral failing—it's a part of modern life. The goal isn’t perfection. It’s clarity, action, and momentum.

This one is personal. And powerful. And might just change the way you think about debt forever.