What’s your relationship with debt? Is it something you avoid at all costs, something you casually swipe through, or something you’ve learned to manage with confidence?

In this episode of Wealth Para Todos, I break down the three most common debt personalities I see in my coaching work—because when it comes to debt, it’s not just about the numbers. It’s about the emotions, habits, and beliefs behind them. And understanding your own pattern is the first step toward building wealth without sacrificing wellness.

Meet the Three Debt Personalities

1. No Debt Noa

This persona avoids debt like the plague, often equating borrowing with failure. “No Debt Noa” budgets like a pro and avoids unnecessary spending, but their aversion to debt can lead to deprivation, delayed growth, and missed opportunities.

• Core Beliefs: Debt = failure. Interest is always bad.
• Strengths: Budgeting, frugality, avoiding impulse buys.
• Pitfalls: Denying joy, isolating when finances get tight, intense anxiety around borrowing.

I’ve been “No Debt Noa”—paying cash for everything, including a $10,000 business coach, when I could’ve leveraged a 0% interest card. At the time, I lacked the skills and mindset to see debt as a tool. My desire to avoid interest came from fear, not strategy.

2. Swipe Now Sammy

“Swipe Now Sammy” is all about getting through the moment. They use debt frequently but without a clear plan to repay it. This personality is hopeful—but overwhelmed, disconnected from their numbers, and often stuck in a cycle of avoidance and shame.

• Core Beliefs: I’ll figure it out later. Everyone has debt.
• Strengths: Seizing opportunities, acting fast, long-term optimism.
• Pitfalls: No payoff timeline, avoiding statements, emotional spending.

I’ve had my own “Sammy” season—especially in my business. I was outsourcing everything, thinking it was an investment, when really, I was avoiding responsibility. I didn’t need a CFO. I needed a money coach. The debt wasn’t the issue. My avoidance was.

3. Leveraging Luna (The Goal)

“Leveraging Luna” treats debt as a tool—used with intention, calm, and a clear plan. They aren’t afraid to borrow, but they do it with clarity, compassion, and confidence.

• Core Beliefs: Debt is a tool. My worth isn’t tied to a balance.
• Strengths: Weekly financial check-ins, emotional regulation, detailed debt payoff plans.
• Habits: Uses financial calculators, talks openly about money, balances joy and discipline.

Today, I finally feel like I’ve stepped into my “Luna” era—running the numbers before borrowing, using debt strategically, and letting my investments grow while planning ahead. It took years, but I’m here. And you can get here too.

Six Key Lessons from the Episode

1. Your relationship with debt is a pattern, not a personality.
2. It’s shaped by trauma, culture, and lived experience. But it’s not permanent.
3. You might flow between debt personas.
4. You can be a “Noa” in your personal life and a “Sammy” in your business. That’s normal.
5. Every debt personality has pros and cons.
6. What helped you survive one season might limit you in the next.
7. Debt isn’t bad—shame is.
8. Avoiding or using debt without a plan are both emotional responses. Clarity beats chaos.
9. You can shift today.
10. Use online tools like calculators.net, start reviewing your finances weekly, and adopt new, empowering beliefs.
11. Confidence = Financial literacy + Nervous system regulation.
12. “Luna” isn’t fearless. She’s informed, calm, and grounded. And that’s the energy we’re aiming for.

Ready to Become a Leveraging Luna?

Here’s what you can do right now:

• Re-listen to the episode and take notes on Luna’s skills, habits, and mindset.
• Practice talking to yourself with compassion—ditch the shame spiral.
• Start tracking your numbers weekly, not just your expenses but also how you feel about them.

And if you want personalized support, I’m accepting new one-on-one clients. Work with me and in four months, you’ll not only have a financial plan—you’ll have the mindset and systems to sustain it. Plus, sign up in June and gift someone else a free year in Wealth Para Todos Academy.

Your wellness is essential to the collective.

Let’s stop avoiding debt or using it blindly. Let’s start leveraging it with confianza.

👉 Join the next Roth IRA Office Hours – every second Tuesday at 11am PST.

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