43. Drowning in Debt? How to Take Back Control Before It’s Too Late with Financial Expert Frank Iozzo
Who Do You Think You Are Talking To Podcast
Release Date: 09/17/2025
Who Do You Think You Are Talking To Podcast
Your people pleasing isn’t a personality trait. It’s a survival strategy you learned long before you ever realised you were doing it. In this episode, I take you right into the early moments where people pleasing begins, how those habits harden over time, and the emotional cost of performing calm on the outside while falling apart inside. I share my story from childhood stage school to years of performing for approval, to losing myself again after moving to America. You’ll hear how the cracks finally pushed me toward habit change coaching and the tools that helped me rebuild my...
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Let's be honest: we've all done it. Given one kid more grace than the other, bent the rules for someone we like, cut a team member extra slack because it's easier. You tell yourself it's no big deal, but here's the truth: every time you do that, somebody else feels it. In this episode, I'm pulling back the curtain on favouritism and how it shows up everywhere, from guilt parenting at home to people pleasing dynamics at work. I share a personal story about noticing this pattern in my own childhood and explain why favouritism isn't about bad intentions. It's about blind spots, stress...
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Depression isn’t something you “get over.” You learn to live with it. These were the words my therapist told me that changed everything. That realisation shifted how I approached every emotional storm that’s come since, especially this new one: perimenopause. In this episode, I open up about what it’s really like when your hormones start rewriting the rules. From 2am wake-ups and brain fog to guilt and overwhelm, I share the small, doable steps that are helping me find balance again, and how you can too. I share why emotional awareness is the missing piece in this conversation,...
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Ever caught yourself saying “I’m fine” when you’re anything but? In this episode, I unpack the quiet, everyday lies we tell to keep the peace and how they quietly teach us to hide what we really feel. From the “thank you I love it” moments at Grandma’s house to the “just be polite” white lies we tell our kids, I reveal how these tiny habits of dishonesty shape our emotional reactions and communication patterns. You’ll learn how to trade comfort for clarity, guilt for growth, and how to speak the truth calmly and confidently without blowing up, backing down, or...
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Have you ever walked away from a conversation thinking "why didn't I say anything?" Then you replay it over and over, feeling frustrated and stuck. I've been there. For years, I thought my husband just didn't care enough or understand me, while he was quietly carrying his own invisible load, afraid to speak up for fear of judgment. In this episode, I'm sharing what happens when honesty disappears from our relationships. When men shut down to avoid conflict and women get louder trying to fix things, both people end up feeling unseen and alone. I'll walk you through the pattern I lived...
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Have you ever told yourself you were “keeping the peace” by staying quiet, only to end up feeling resentful, misunderstood, or disconnected? In this episode, I dive into one of the most common patterns I see: staying silent instead of speaking the truth. We’ll unpack why silence doesn’t actually protect your relationships; it erodes them. I’ll walk you through the small, practical shifts that help you speak up calmly and confidently, without guilt or drama. You’ll learn the simple communication framework that changes everything: Appreciation → Ask → Benefit. You’ll also...
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Do you ever please others at the expense of your own voice? For years I performed calm on the outside while quietly shrinking inside. I know what it feels like to keep everyone else happy while your own voice gets smaller and smaller. In this episode, I share the exact process that helped me silence my inner people-pleaser and finally lead by example. You’ll learn how to pause, tune into what you truly need, and speak up without guilt or emotional blowups. I’ll guide you through the simple shift from trigger → react → regret into trigger → pause → respond, so you can build...
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Why You Feel So Overwhelmed as a New Mom, and What to Do About It Stuck in the cycle of guilt, burnout, and resentment, and no one’s talking about it? You’re not alone. In this episode, we break the silence and get real about what new motherhood actually feels like, and how to reclaim your calm one breath (and boundary) at a time. Because “Happy Mom, Happy Baby” Doesn’t Help When You’re Drowning If you've ever silently screamed, “Why do I have to do it all?”, this episode is for you. I’m joined by Dr. Colleen Horn, a pediatric chiropractor and fierce advocate for moms...
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Feel like debt is running your life? You’re not lazy, you’re not broken, and you’re not alone - and this episode will show you how to take back control, one step at a time. When bills pile up, the shame gets loud - but clarity is louder. This episode is your life raft when it feels like you're financially underwater. Mortgage arrears, car payments, credit cards, late notices - if any of those words make your chest tighten, this one’s for you. Episode Summary Hi, I’m Jenny Maxwell - and today’s episode of Who Do You Think You Are Talking To is about one of the most emotionally...
info_outlineFeel like debt is running your life? You’re not lazy, you’re not broken, and you’re not alone - and this episode will show you how to take back control, one step at a time.
When bills pile up, the shame gets loud - but clarity is louder.
This episode is your life raft when it feels like you're financially underwater. Mortgage arrears, car payments, credit cards, late notices - if any of those words make your chest tighten, this one’s for you.
Episode Summary
Hi, I’m Jenny Maxwell - and today’s episode of Who Do You Think You Are Talking To is about one of the most emotionally loaded struggles we face: debt.
If you’re scared to check your bank account… if you’ve stopped opening the post… if you’re lying awake at night wondering “How did it get this bad?” - you are exactly who I recorded this for.
My guest is returning favourite and financial coach Frank Iozzo, who brings two decades of experience and lived wisdom from his own debt story. Together, we talk about what to do when you’re scared to even look at your money, how to interrupt the emotional spiral of financial stress, and the real options most people don’t know they have when it comes to mortgage, car loans, and credit cards.
This conversation isn’t just about numbers - it’s about empowerment. Because on the other side of fear is opportunity. And you can shift your financial reality - without shame, and without doing it alone.
What You’ll Learn in This Episode -
- Why smart, capable people still fall into debt (and how shame keeps you stuck)
- The exact first 3 steps to take when you’re in mortgage or loan arrears
- How to speak to lenders (and what to say) when you're behind
- When it’s time to sell, refinance, or reassess - and how to make that call
- Why credit card interest is silently draining your future (and how to stop it)
- The simple mindset shift that stops the midnight spiral of panic
- How to build financial resilience - even if you feel like you’ve already “failed”
Connect with Frank Iozzo
Follow Frank Iozzo on LinkedIn
Come say hi to me on Instagram or LinkedIn
Don’t miss future episodes — hit Follow and leave a ⭐⭐⭐⭐⭐ review!
Resources
Start with Your Anytime Reset: Your free 10-minute daily practice to shift from reactive to reflective.
Need a quick intervention? Download my free PRESS PAUSE guide. Create space between your trigger and your next move.
Final Reminder
You don’t need fixing. You just need tools - and someone in your corner reminding you that it’s never too late to start again. This is your moment to take one step toward peace.
I’m with you.