How to Kill Debt, Master Credit and Protect Your Wealth - 40 Money Lessons at 40, Part 3

Turning 40 has me thinking about the money lessons that actually matter — not the flashy hacks, but the real, sometimes boring, strategies that keep your financial life from falling apart. In part three of my 40 Money Lessons at 40 series, I’m digging into debt, credit, and protection — the unsexy side of money that quietly saves you thousands. I’ll break down why paying off high-interest credit cards is the best guaranteed return you’ll ever get, how lifestyle creep sneaks up with an “I deserve this” disguise, and why carrying a balance on your credit cards is the ultimate wealth killer. I’m also sharing the protection strategies most people ignore — from freezing your credit (free, easy, and way more effective than monitoring) to keeping disability insurance because your income is your biggest asset, and adding umbrella insurance once your net worth grows. You’ll walk away knowing: Why killing high-interest debt beats almost any investment strategy How to recognize lifestyle creep before it drains your wealth The golden rule of credit cards (hint: the magic number is zero) The simplest way to stop identity theft before it happens Why insurance may be boring, but it’s the backbone of financial freedom These aren’t the lessons that get headlines or TikTok views, but they’re the ones that give you real peace of mind — and by 40, I’ve learned peace of mind is worth more than any hot stock tip. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Om Podcasten

New York Times Top 4 Money Podcast with over 24 million downloads! Hosted by Shari Rash, InvestmentNews Best Wealth Manager & Advisor Under 40. Ever wake up at 3 a.m. in a full-blown panic, wondering if you’ll ever have “enough” money? Maybe you’re making more than ever, but somehow, the worry never goes away. You stress over every purchase, second-guess every money move, and still feel like you’re one wrong decision away from losing it all. Here’s the truth: It’s not just about the dollars—it’s about what’s happening in your head. Welcome to Everyone’s Talkin’ Money, the podcast that finally tells it like it is: your emotions, thoughts, and habits around money are what’s keeping you stuck— not just your paycheck. Shari Rash is a money expert who wants to help you ditch shame, rewrite the rules, and help you feel powerful with your finances. Don't worry, this show isn’t another snooze-fest finance podcast. She's here to help you unf*ck your finances and finally build wealth in a way that actually feels good. If you’re tired of finance bros yelling at you for buying a damn latte and sick of money advice that doesn’t fit your life, hit subscribe. It’s time to unravel your money mess, rewrite your story, and start building wealth—on your terms.