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In the video, Patti discusses strategies for managing debt. She suggests two main actions: reducing expenses and increasing income, which can involve selling possessions or taking on additional work. If expenses are already minimized, Patti recommends considering a bank restructuring. She uses the analogy of a large family living in an oversized house that they can no longer afford. The family decides to downsize by closing off two wings of the house and consolidating everyone into the main area, highlighting a practical approach to managing costs while making a difficult situation more manageable.
