How Erin Realized That Retirement Was a Possibility, Like Really.

“The way credit cards are handled in YNAB is, I just think, a miracle …”

Written by Shannon Marie  |  on


In this episode of Debt Stories, we meet Erin, a 59-year-old living in Flagstaff, Arizona. By day, she manages an IT support team at Northern Arizona University and, in her spare time, she has a second job teaching business communication—something she really enjoys (which is handy, considering the cost of living in Flagstaff).

Still, even with the second job, Erin found herself in debt to the tune of $35,000, and that didn’t even include her mortgage. Tune in to find out how she turned things around:

Get this episode’s transcript here, and read more about Erin’s story here.

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Do You Have a Debt Story?

Wanna know what’s better than an amazing debt makeover story? Several debt makeover stories! If you’re a YNABer and you’d be willing to let Jesse interview you for a future episode, write to us at [email protected]. In your email, include a short paragraph or a few bullets about your financial hurdles and how you overcame them.


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Your Next Step

Budgeting is not restrictive. You won’t be spending less, you’ll be spending right. So what do you have to lose? Except all that debt and stress?