I sat across the table from a newer client. I could tell she was stressed and overwhelmed. She fidgeted with her coffee cup and wouldn't quite meet my eyes. I'd seen that look before. It's the look of someone carrying a number they're afraid to even look at. This client — I’ll call her Katie — came to me with several different types of debt. She wasn't sure what she owed on each one or what the interest rates were. Credit cards, an auto loan, a HELOC, student loans from her m
