10 Things I Wish I Knew About Debt in My 20s

If I could hop in a time machine and go back to see my 20-something-year-old self, here are 10 things I would tell her about debt.
  1. Mireya says:

    LOVE this article! Sometimes it does feel like I’m doing this on my own, and it’s nice to know other women need help as much as I do in my financial journey! THANK YOU MIKO!

  2. Heather says:

    Very well spoken!! Thank you for sharing your story. You have helped me and so many others!

  3. KATIE M. HOYT says:

    Thanks Kumiko!!

  4. Ashley says:

    One thing I really struggle with is the idea of being in debt and feeling like you “don’t have any money” but still needing some spending money for groceries, gas, etc. even if it is only a little. It feels like I’m making it harder, but I have no idea.

    • lisa says:

      One thing that has helped me is taking my paycheck, and taking out my grocery $ and whatever else money I will need for that next week. Then work from there to take out what bill money needs to get paid! 🙂

  5. BILL HILLER says:

    This is my legitimate New Years goal! Thank you so much for the encouragement!

  6. Yolanda says:

    I have been afraid to look at the total amount of debt that I have. I finally did it and you are right, it was like a load was lifted off of my shoulders. Now I know where I stand and have an honest starting point to become DEBT FREE! Thanks Miko!

  7. Sarah says:

    I’m new to your budget program. It seemed impossible to have money to put into the various cash envelopes after I paid all my bills, but on the first paycheck, I discovered I DO have enough money to do both. I’m even finding money to put into the 2020 Challenge which amazes me! The more I learn, the more I’ll be able to keep my budget under control, so thanks for this helpful article!

  8. Katherine Swank says:

    Debt affects everyone. Every dollar out the door is a dollar taken away from savings, retirement and accomplishing dreams and goals. I’m a huge fan – but I also see a lack in focus on the future. Isn’t this also something we wish we’d learned in our 20s? Am I missing discussions on retirement savings and building? It seems that conversations lack this perspective and it’s such an important component of budgeting – not to mention, life! I’d love to see a focus on some attention here as well as spending tracking, pay-check allocation, emergency funds, debt-elimination and purchase savings. Thank you for your comments Miko.

  9. Lei says:

    I really enjoyed reading and getting to understand that becoming debit free is a journey and that it is something anybody can do. Its very encouraging to feel like I am not alone and that TBM is here to help us.

  10. This is so spot on! Thank you for sharing. I can’t wait to discuss some of these points with my team.

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