# 3612: Simple Ways to Improve Your Debt Management Skills by Jeff Rose of Good Financial Cents on Debt Strategies

Page: https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660/3612-simple-ways-to-improve-your-debt-management-skills-by-jeff-rose-of-good-financial-cents-on-debt-strategies
Text version: https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660/3612-simple-ways-to-improve-your-debt-management-skills-by-jeff-rose-of-good-financial-cents-on-debt-strategies.md
Podcast: [Optimal Finance Daily - Financial Independence and Money Advice](https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660)
Published: 2026-06-29T07:00:00+00:00
Episode link: https://traffic.megaphone.fm/OLD1541136321.mp3
Audio file: https://traffic.megaphone.fm/OLD1541136321.mp3
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Duration seconds: 530

## Resource

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3612: Jeff Rose explains practical steps for gaining control of debt by creating a realistic budget, tracking income and expenses, and identifying true disposable income. He also shows how cutting unnecessary spending and using extra cash to make debt overpayments can help reduce debt faster and lower overall interest costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/simple-ways-to-improve-your-debt-management-skills/ Quotes to ponder: "Budgeting is about knowing how your finances work and controlling what you do with your money, in other words, not letting your money control you!" "Your disposable income is essentially the amount you have left on a monthly basis to pay towards your non-priority debts and, if you have any spare after doing this, to save and to spend on non-essential goods/services." "Overpaying your debts can be an excellent way to improve your debt management skills." Wealthfront’s high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY…

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