Ryan's choices have attracted debt to her, the panel says. To attract a solution, Jack says Ryan should turn her focus from her debt to what she knows her life will be like when she's financially free.
Simply changing her language can also start to make a dent in her debt. When asked how she is, Lisa says she shouldn't respond with phrases like "I'm surviving." "That's not the kind of life you want to live," Lisa says. "When people ask me how I'm doing, [I say], 'I'm phenomenal. I'm great'. Even in the midst of all—I'm great," she says. "I'm great because I made it through."
James, especially, can relate to Ryan's troubles, having been on the edge of bankruptcy twice himself. He urges Ryan to take an "action step" toward her dreams. For Ryan, that's starting a debt retirement program to pay a certain amount of money toward her credit automatically so she can focus every bit of energy on financial freedom.
Still, the most important stride toward a debt-free life, Michael says, is forgiving her ex-husband and to stop feeling like he owes her something. "Let him know in consciousness, in your awareness, that he cannot determine your destiny. You're not leaving him unaccountable, but you're severing those emotional vibratory tonalities so that you can be free."