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The Debt Conversation Workbook
Naming the Number and Building the Plan
The number is real. So is the story behind it. This workbook names both.
For individuals and couples carrying significant debt who need to have the real conversation before the spreadsheet conversation — and those in financial therapy or credit counseling.
The Name It First Experience
Debt management advice skips the hardest part: the conversation about what the debt means, where it came from, and what you are willing to do about it. This workbook names the number, the story, and the plan — in language you and your partner can both hear. The avoidance is costing you more than the debt. The output is not a repayment spreadsheet. It is The Debt Conversation Agreement.
You can opt into 30-, 60-, and 90-day check-ins from your account. We recommend you do — the point is to see what changed.
Sample questions
- What does financial peace look like for you — and what is the gap between where you are and that picture?
- What story have you told yourself about how this debt happened — and is that story fully accurate?
- What shame are you carrying about this debt — and what would it cost to set that down enough to make a real plan?
Research basis
Financial therapy research (Klontz): money disorders — including debt avoidance and debt accumulation — are driven by money scripts from family of origin / identity and meaning work is the intervention layer. Debt and relationship research: money is the leading cause of relationship conflict / couples who have explicit debt conversations show better repayment outcomes. Shame and debt (Brown): debt shame produces avoidance / naming the shame is the prerequisite to productive action. ACEs research: financial insecurity in childhood correlates with adult financial behavior patterns that debt conversations alone cannot address.
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A real book and a pen. Write in the margins. The most permanent version of you on a page.
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The full guide on any screen, with a companion journal to write your answers by hand.
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Audiobook
We read every question and every scenario aloud. For the commute, the walk, the dishes.
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The keepsake edition — sewn, ribboned, made to sit on a shelf and be returned to.
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Digital Fill + membership+membership
Answer on screen. Your responses save as you go and assemble into your finished document.
$9.99
Hands-Free Interactive + membership+membership
Listen to each question and speak your answer. We capture it. You never touch a keyboard.
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The Essential path takes you to your finished document by the questions that matter most. The Full-depth path walks every question, every scenario, every angle. Both produce the same signed document — one just goes deeper on the way there.
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Shorter sessions. The questions that go directly to the document.
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Every question. Every scenario, every angle.
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