In this episode, Olivia diagnoses "debt-flammation"—the chronic financial pain caused by poor budgeting, high credit utilization, and financial inactivity. We explore the crucial differences between healthy, planned borrowing and toxic, status-driven borrowing that systematically drains your net worth. Olivia breaks down how to calculate your Debt-to-Income (DTI) ratio, offering a traditional metric for self-diagnosis. You will also discover the structural differences between credit reports and scores and learn the sobering reality of credit usage statistics [hint: we can’t just blame Covid and inflation]. Finally, the episode prescribes both advanced therapeutics like Power Pay and daily behavioral protocols to help you reclaim your financial agency. Tune in to discover your legal consumer safeguards and learn how to secure an accountability par ...