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In this video, Patti discusses steps to manage debt effectively. First, she advises reducing expenses and increasing income, whether through selling items or taking up extra work. If expenses are already minimized and income options exhausted, she suggests considering debt restructuring. To illustrate, she uses the analogy of a large family in an oversized house unable to afford its costs. They decide to restructure their living situation by closing off two wings of the house and moving everyone into the main building, resulting in a more affordable arrangement despite the increased tightness. This concept of restructuring can help manage financial burdens.
