Living with debt is as much an emotional trial as a financial one. The weight of debt can impact your self-esteem, relationships and even sleep. But stories like Vong S.’s remind us there’s hope. His debt consolidation success story shows how the right plan can lead to peace of mind….

While the holidays bring joy and warmth, for many, they also come with a hefty price tag. According to recent reports, 1 in 10 Americans experienced credit card debt due to holiday spending last year, with 46% of Americans lacking a debt payoff plan.

Popular media, financial advisors, and even well-meaning family members often frame financial decisions in terms of good versus bad, success versus failure. Personal finance is nuanced, especially when considering the powerful influence of culture on our beliefs and behaviors around money.