In Episode 6 of "Real Money Pathway," host David Kim tackles the overwhelming reality of debt management during financial recovery. Drawing from his experience with over $200,000 in credit card debt before bankruptcy, David provides a strategic framework for making debt manageable rather than overwhelming. Listeners will discover the crucial differences between debt types and their impact on financial stability, learn the strengths and limitations of both avalanche and snowball repayment methods, master effective negotiation strategies that David used to reduce his own obligations, balance debt repayment with rebuilding essential financial components, and develop specialized approaches for student loans, tax obligations, medical bills, and family debt. David introduces the "Debt Comparison Calculator" that helps evaluate different repayment strategies based on your specific situation, available at realmoneypathway.com. This episode transforms debt from an overwhelming burden to a manageable part of your financial recovery journey.