Nobody really teaches you how to adult. You’re just expected to figure it out. Adulting and Afraid is the podcast that covers the real life stuff they forgot to teach us in school. From building and understanding your credit, to budgeting your money, buying a home, managing your finances, and making smarter decisions as an adult, we’re breaking it all down in a way that actually makes sense. No complicated jargon. No boring lectures. Just real conversations, practical advice, and the things you wish someone had taught you sooner. Because adulting is hard enough. You shouldn’t have to figure it all out alone.
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35 recent
August 6, 2026Episode 35 min
How Credit Card Utilization Affects Your Credit Score
Send us Fan Mail Did your credit score suddenly drop after maxing out a credit card? Don't panic, it may be easier to fix than you think. In this episode, I explain how revolving lines of credit, credit utilization, and statement cutoff dates can dramatically impact your credit score, especially if you're preparing to buy a home. You'll learn why maxed-out credit cards can lower your scores, how quickly your credit can recover after paying them off, and what mortgage lenders look for when reviewing your credit report. If you're planning to qualify for the best mortgage rates or simply want to improve your credit score, these tips can help you avoid costly mistakes and stay on track.
July 30, 2026Episode 26 min
Why You Should Never Max Out a Credit Card
Send us Fan Mail Maxing out your credit cards can have a much bigger impact on your credit score than most people realize. In this episode, I break down one of the biggest credit myths, that carrying a balance helps your score, and explain why paying down revolving credit is often the fastest way to improve your credit. I also share a real client story where paying off a high credit card balance and completing a rapid rescore increased a middle credit score from 618 to 664, making a refinance possible. We’ll also discuss the difference between revolving credit and installment loans, why payment history and credit age matter, and practical strategies to help keep your credit score moving in the right direction. Plus, I preview upcoming changes to medical collections reporting that we'll cover in the next episode.
July 23, 2026Episode 17 min
Transform Your Credit In 30 Days With These 5 Steps
Send us Fan Mail In this episode of Adulting and Afraid, Deborah sits down with her good friend Julie Hawkes, an energy healer whose passion is helping people create better, more balanced lives. Julie shares what energy healing really is (and what it isn’t), how our thoughts and emotions can impact our daily lives, and simple ways people can start becoming more aware of their own energy. Whether you're feeling stuck, overwhelmed, or just curious about new ways to improve your well-being, this conversation offers a fresh perspective on personal growth and self-care. If you've ever wondered how to feel more aligned, more confident, and more in control of your life, this episode is for you. Julie’s heart-centered approach will leave you thinking differently about the power you already have within yourself.
March 24, 202619 min
Dr. Kimball Arritt | Is There A Fix For Neuropathy?
Send us Fan Mail Neuropathy affects millions, but most treatments only mask the pain with medications like gabapentin, without fixing the underlying cause. In this video, Deborah the “Mortgage Queen” sits down with an Idaho Falls chiropractor to explain a new protocol that targets the root causes of nerve damage : blood sugar imbalances, chronic inflammation, and poor circulation. Learn how this approach combines at-home lifestyle changes, red light therapy, nitric oxide supplementation, and nerve retraining to restore nerve function, improve balance, and reduce dependence on medication.
January 23, 2024Episode 3023 min
Tory The 21 Year Old | What Does This Boy Know?
Send us Fan Mail I guess I get to be put to the test as Tory comes and shares what he knows and what he has learned. Who knows, did I get an F in teaching class or a B-? Guess you will have to listen and grade it! Listen from someone who has just entered the credit world. Ya know you want to!
November 29, 2023Episode 2920 min
So you think or don't think a job affects you?
Send us Fan Mail Job jumped? Recently Self Employed? Plan to be self employed? I cover all things employment and why. This is worth the listen if you are interested in buying a home and have a few changes in your employment world.
November 11, 2023Episode 2816 min
ROOT CANAL AND TIRES, WHATCHA GOT IN YOUR PIGGYBANK?
Send us Fan Mail LET'S DEBUNK 1 QUICK THEORY ON CASH, LETS TALK ABOUT EARL AND BILL. ARE YOU READY TO TAKE A PLUNGE?
October 4, 2023Episode 277 min
SLOW THE BOAT DOWN
Send us Fan Mail You do not need 5 new trade-ins to have good scores. You do not need 10 lines of credit. Slow down, do these in a proper fashion in your budget fool! BUDGET! Do not over extend.
October 2, 2023Episode 268 min
Do we care about Medical Collections? YES, but for a different reason!
Send us Fan Mail Medical bills are so dumb! Some get reported to credit, some you cannot even find because they sale the account to different collection agencies.... So what now? WE ARE GONNA FIGHT A BATTLE ALL! 1
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