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In the video tutorial, Patti discusses overcoming debt challenges. She suggests two primary actions: reducing expenses and increasing income, either through selling items or obtaining additional work. If expenses are already minimal and income adjustments aren't feasible, she advises considering a bank restructuring. To illustrate this, she uses the example of a large family living in an expensive house. Unable to maintain the costs associated with the entire house, they decide to close off two wings and relocate everyone into the main part of the house. This adjustment, though cramped, allows them to manage their expenses more effectively.
