BA Fam, we’re back with a classic BA Q&A, and this week’s episode is all about the kind of debt that just hits different credit cards with sky-high interest rates. A listener wrote in with a heartfelt message and a tough reality: nearly $12K in credit card debt spread across multiple cards, with APRs climbing over 30 percent.

Mandi breaks down:

• When debt consolidation actually makes sense
• How to avoid the trap of solving a short-term problem without fixing the root issue
• What happens to your credit score (for better or worse)
• The difference between snowballing your debt vs. avalanching it
• And why it’s time to stop avoiding your balances

You’re not alone, BA fam. And no, you're not failing. You're just one plan away from a financial reset. Let’s talk about it.

📩 Got a question? Email brownambitionpodcast@gmail.com or DM @brownambitionpodcast

Resources + Links:

• Investor.gov Compound Interest Calculator

https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

• Apps for tracking expenses: Rocket Money, spreadsheets, or whatever helps you
• Credit unions for lower-interest personal loans
• Debt snowball vs. debt avalanche

LET’S STAY CONNECTED

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Website: https://www.brownambitionpodcast.com

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