Getty Images 
Debt is more than just numbers. It’s stress, frustration and feeling overwhelmed. Collectively, consumers owed more than $18 trillion in debt and credit card debt hit a new high heading into 2025, burdens that likely have many searching for ways to steady their finances.
“Mentally, [debt is] very discouraging, overwhelming and frustrating,” says Nia Adams, executive director at financial wellness consultancy Perspectives. “It makes [people]…
