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Meet Tracy, whose metal heart valve ticks audibly throughout our conversation - a constant reminder of the life-threatening surgery that became a turning point in her already challenging financial journey.

Tracy's story offers a rare glimpse into how debt becomes not just a circumstance but an identity. Having become a mother at 17 and growing up with a mother who was always in debt, Tracy's financial struggles began from the moment she had her own place. "That's all I've ever known is debt," she explains, revealing how predatory "backstreet loans" targeted her vulnerability when traditional support systems failed.

What makes Tracy's testimony so powerful is her stark honesty about why change feels harder than continuing to struggle. Despite facing potential homelessness, mounting utility bills she can't pay, and visits from debt collectors, she describes her debt-laden lifestyle as "comfortable" - it's what she knows. This psychological insight helps explain why financial education alone often fails to break generational cycles of poverty.

Yet Tracy's resilience shines through. She attempted to open a mindfulness café just as COVID hit, showing her entrepreneurial spirit despite terrible timing. Now she's taking small but significant steps: buying an ADHD-specific budget planner and making her first £100 investment. These modest actions represent tremendous psychological leaps for someone who has never before attempted to save.

Listen to discover how our connections to money run deeper than numbers on a page, and why breaking free from financial dysfunction requires addressing both practical skills and deeply embedded patterns of behavior. Ready to reflect on your own relationship with money? Subscribe now and join the conversation about how we can support each other toward financial wellbeing.