Having Debt Doesn’t Mean Your Financial Future Is Ruined: Here’s How to Manage It

Talking about money—with friends, with family members, with coworkers—can often inspire feelings of guilt and shame. It’s understandable: Money is a touchy topic, and everyone’s situation, goals, and opportunities are different. Talking to your friend with the well-stocked emergency fund when you’re still struggling to figure out how to get out of credit card debt can make you feel inadequate or ashamed of your own spending habits. It’s easy to feel like you’re falling behind or not doing enough for your financial future, particularly if you have debt.