Erin Realized That Retirement Was a Possibility

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

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 transcriptand read more about Erin’s story. 

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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 In your email, include a short paragraph or a few bullets about your financial hurdles and how you overcame them.

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Erin Realized That Retirement Was a Possibility