Debt Is a Juggling Act
Ever seen a juggling act? Some people toss around tennis balls. Impressive, sure—but then you watch a show like America’s Got Talent, and suddenly they’re juggling knives, chainsaws, even bowling balls… blindfolded… on a unicycle.
That’s what managing debt often feels like.
It starts small. We want something we can't afford, so we swipe the credit card. “It’ll build my credit,” we tell ourselves. Just like that, we’re juggling tennis balls. No big deal. We’ve got this.
But then we need a new car. Now we’re juggling a knife too.
At first, it’s a challenge—but we adjust. We even convince ourselves this is normal. “Everyone has a car payment, right?” But then the dishwasher breaks. Add a running chainsaw to the juggling mix.
Still, we manage. We adapt. We normalize the chaos. “It’s building credit.” “I don’t want to deal with car repairs.” “Handwashing dishes is exhausting after work.” One by one, we justify the blades in the air.
Here’s the problem:
Debt locks up your income.
We all have non-negotiable expenses—utilities, internet, phone, insurance, rent. These eat up a chunk of your income no matter what. But debt? Debt is optional. And it drains you fast.
Let’s break it down:
Average take-home pay in America: $4,865
Car payment: –$630 → $4,235
Personal loan: –$475 → $3,760
Credit card: –$1237 → $2,523
Student loan: –$500 → $2,023
That’s $2,000 gone—just in loan payments.
Now factor in the essentials (utilities, internet, phone, insurance, rent). That can easily be another $2,500.
You’re left with about $300 for the month.
It’s tight. It’s stressful. And it’s so normal that we don’t even question it. But when you take a step back and really look at your numbers, ask yourself:
How much of your income is tied up in this juggling act?
Ready to drop the chainsaws and take control?
Financial coaching can help you stop juggling and start planning with purpose. If you're ready to break free from paycheck-to-paycheck living, simplify your finances, and actually breathe again—I'm here to help.
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