In this episode, Esther sits down with financial coach Matt Wally, who was diagnosed with ADHD and a developmental language disorder as a child. Matt shares how he and his wife paid off $55,000 of debt in three years on a combined $40,000 salary — using nothing but hourly wages, a shared decision, and a system built around their ADHD brains instead of against them. They talk about why debt is a poison and not a tool, how to get started when you feel frozen, and why community, coaching, and faith have carried Matt through his own journey and now shape how he coaches others.

This episode is for you if you are in debt right now and don't know where to start, if you've ever used one credit card to pay off another, or if you've felt shame about being "a professional" who still can't get on top of their finances.

• How Matt and his wife paid off $55,000 in three years on a $40,000 household income, using overtime, a second job, and one shared goal
• Why Matt believes debt is a poison, not a tool — and what to do if you feel frozen in it right now
• The debt snowball method, and why quick wins matter so much more than the maths for an ADHD brain
• Why being united with your partner is more important than the debt itself, and how to bring a reluctant partner along without forcing the moment

• The one question to answer this week if you don't know where to start with your debt
• Why tailored support matters more than generic budgeting advice for neurodivergent brains
• How to use small celebrations to build momentum without undoing your progress

• Facebook: You Are Not Stuck Coaching Services, or search Matt Wally
• LinkedIn: Matt Wally
• Instagram & Threads: @coachwalleydawg23

Book 1:1 coaching: estherbangura.com/coaching

• EP71 — Fast Debt Payoff Strategies That Work for Neurodivergent Brains
• EP68 — Dyspraxia and Debt: Why Managing Debt Feels Physically Overwhelming
• EP19 — Debt-Free Living: The Basics & How to Start, Even With Stress-Spending