Right now, more than half of Americans are struggling financially—living paycheck-to-paycheck, according to a new study. Money coach Janet Lombardi has been there, thrust into debt disaster, but has come out on top. And now, she’s revealing the seven key steps to financial reform.

“It’s possible to crawl from the wreckage, whether you see it coming or not,” says Lombardi, author of Bankruptcy: A Love Story. “Get clear about your finances and take action. Once you’re ready for that action, you can regain control of your savings and your life.”

In an engaging interview, filled with valuable takeaways, Lombardi can discuss:

Crawling from the wreckage: The 7 key steps to financial reform
How to avoid being blindsided by substantial debt and financial disaster
Stop debting: You’ll never get out of debt and build wealth if you keep relying on credit cards.
Her secret to creating a spending plan and sticking to it—is a cash envelope system the way to

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