Workbook
The Debt Recovery Workbook
A Workbook for Rebuilding Financial Identity After Significant Debt, Bankruptcy, or Financial Ruin
The shame is the reason people stay in debt longer than the numbers require. Start there.
For the person who knows exactly how much they owe and cannot look at it without the shame closing the laptop — who needs a structured way to face the numbers and build a recovery that addresses the identity, not only the balance.
The Name It First Experience
Financial ruin is one of the most privately held experiences an adult can have. The shame is particular. The isolation is particular. The path back requires a structured honesty almost no resource provides. Five chapters document what happened, examine the financial identity you carry from this experience, and build the concrete path forward. The output is not a budget. It is Your Debt Recovery Plan — a signed document naming the situation, the reckoning, and what comes next.
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 is the story you've been telling yourself about how you got into debt — and how much of it is actually true?
- What does your debt feel like in your body when you think about it — and when did it start feeling that way?
- What would your life look like in three years if the debt were gone — what specifically would be different?
Research basis
Klontz and Klontz on money scripts and financial trauma / ACEs and financial stress research on the relationship between adverse experience and financial behavior / White and Epston on Narrative Therapy and re-authoring the financial identity story.
Choose your format.
Every format asks the same questions and produces the same document.
Print Paperbackpersonalize
A real book and a pen. Write in the margins. The most permanent version of you on a page.
$22.99
eBook + journal
The full guide on any screen, with a companion journal to write your answers by hand.
Not available
Audiobook
We read every question and every scenario aloud. For the commute, the walk, the dishes.
Not available
Hardcoverpersonalize
The keepsake edition — sewn, ribboned, made to sit on a shelf and be returned to.
Not available
Digital Fill + membership+membership
Answer on screen. Your responses save as you go and assemble into your finished document.
$12.99
Hands-Free Interactive + membership+membership
Listen to each question and speak your answer. We capture it. You never touch a keyboard.
Not available
Everything packages
The Paperback Everything Package
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Not available
The Hardcover Everything Package
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Not available
The Premium Hardcover Everything Package
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Not available
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Choose your pace.
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.
Essential path
Shorter sessions. The questions that go directly to the document.
Full depth
Every question. Every scenario, every angle.
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