After discussing America’s staggering $90 billion jump in credit‑card debt, Greg and Holly turn to a deeper question: Could your home be part of what’s keeping you financially stuck? With prices still high and households feeling squeezed, they bring in Russell Faucette of The Stern Team at Omada Real Estate to explore whether selling a home—even with a low 3% mortgage—might be a strategic move for those drowning in consumer debt. They break down the tradeoff between protecting a low interest rate and improving monthly cash flow, how to recognize if your home is slowing your financial progress, and what today’s Utah housing market means for anyone considering a sale.