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In this tutorial, Patti discusses steps to manage debt effectively. First, she suggests reducing expenses significantly. If necessary, individuals can increase their income by selling items or getting an additional job. However, if expenses are already minimized and financial strain continues, seeking a bank restructuring may be required. Patti illustrates this concept with an analogy of a large family living in an oversized home, which becomes too costly to maintain. To cope, the family decides to close off unused wings and consolidate into the main building, thereby reducing costs and making the living situation more manageable, despite the tighter space.
