This episode is part two of a longer kōrero about debt — not the tidy version, but the real one.

In part one, we talked about survival, pressure, and why debt isn’t a personal failure in a cost-of-living crisis.

In this episode, we talk about what comes next — gently.

Not how to fix everything. Not how to become debt-free overnight. But how people actually move forward when life is still hard.

We cover: • why progress usually starts small and slow • how to choose where to focus when everything feels heavy • why consistency matters more than big repayments • how to protect progress when emergencies keep happening • and why shame makes debt harder to carry

This episode is for people who are doing their best — working, parenting, surviving — and still feel like the numbers don’t work.

If you want more gro ...