Day 4 of America Saves Week 2026 is all about rewriting the debt narrative and moving from feeling overwhelmed to feeling informed and in control.
In this episode, Amy is joined by Morgan Spears from Working Credit to talk about why so many people avoid looking at their debt, and what actually happens when they do. Together, they break down what’s really in a credit report, clear up common myths, and explain how understanding your full financial picture can open the door to real progress.
You’ll hear about:
- Why avoiding debt and credit is so common and how to move past it
- What to look for when reviewing your credit report
- Common credit myths (and what’s actually true)
- How credit counseling can help you make sense of your situation
- Why clarity is one of the most powerful tools for building confidence
This conversation is a reminder that information isn’t something to fear, it’s something you can
use. When you understand where you stand, you can make a plan that works for you.
If you’ve been putting this off, consider this your moment to take that first step.
