A Millenial's Guide to Getting Out of Debt
Paying of student loans, credit cards, and more. By Mark Holloway
Length4h 2m
About this audiobook
You make every payment, on time, every month — and you're still not getting anywhere.
You know the feeling. The mental tab at the grocery store. The half-opened statements on the counter. You're not behind, exactly. You're just not gaining on it. And the personal finance books on the shelf were written for a different reader.
A Millennial's Guide to Getting Out of Debt is a step-by-step system for paying off what millennials actually carry: student loans, credit cards, BNPL, medical debt, car loans. It draws on behavioral economists Sendhil Mullainathan and Eldar Shafir, money psychologist Brad Klontz, and self-compassion researcher Kristin Neff — translated into a plan you can run on a tired Tuesday.
Not a memoir. Not a lecture. A modern, honest, behavior-backed system.
You can do this. The plan is in here. The rest is just time.
Audiobook details
GenreSelf-Help, Business and Economics
Length4 hrs 2 mins
Narrated byListen with 1,000+ voices
FormateBook with Audio
Publish dateMay 12, 2026
LanguageEnglish
Table of contents
1Introduction
2Prologue
3I Was 23
4What I didn't know
5The seventy-nine-cent book
Show all chaptersShow less
6Why this book exists
7Some honest words about the situation
8What this book is, and what it isn't
9Chapter 1
10Why This Feels So Hard (And Why That's Not Your Fault)
11Why willpower isn't the answer
12The three pressures nobody handed you a manual for
13A math problem on top of a system problem
14None of this is your fault
15What's coming
16Chapter 2
17The Bandwidth Tax: How Debt Hijacks Your Brain
18What scarcity does to a brain
19What this looks like in your actual life
20The study that proves the direction
21What this means for the rest of the book
22Chapter 3
23The Story You're Telling Yourself About Money
24The avoider
25The worshipper
26The status keeper
27The vigilante
28Where the script came from
29Why this matters now
30Chapter 4
31Shame, Avoidance, and the Statement You Won't Open
32Why looking feels worse than not looking
33The cost of looking away
34The reframe
35One thing to do
36What changes after you look
37Chapter 5
38Rewriting the Script: A CBT Toolkit for Money Thoughts
39The three traps
40The practice
41Where the traps come from
42A quick word about scarcity
43Practice, not perfection
44Chapter 6
45What Motivation Actually Looks Like Over Eighteen Months
46What the research says about big goals
47The shape of the journey
48Why small wins matter at the start
49Identity is what you're building
50Walking into part two
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