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Patti discusses strategies for managing debt, emphasizing two main actions: reducing expenses and increasing income. She suggests selling items or getting a second job as potential solutions. However, if expenses are already minimized and income isn't sufficient, she recommends considering a restructuring approach. To illustrate this, Patti uses the analogy of a large family living in an oversized house. They decide to restructure by closing off the two wings of the house and consolidating everyone into the main building. This may be cramped, but it makes the overall living situation more manageable and affordable.
