Audiobook Review: "Get the Hell Out of Debt" by Erin Skye Kelly
Get the Hell Out of Debt by Erin Skye Kelly book cover

Money at 30: “Get the Hell Out of Debt” Audiobook Review

After turning to the printed word for my last book review, this month, I headed back to Audible to see what money-related audiobooks I could discover. What I found was Get the Hell Out of Debt: The Proven 3-Phase Method That Will Radically Shift Your Relationship by author Erin Skye Kelly. So, I decided to give it a shot — and ended up quite enjoying the seven-hour (if you were listening at 1x) ride.

Get the Hell Out of Debt

I have to start with something that made me laugh about this book almost immediately. See, the book opens with not one but two disclaimers: the first covering the necessary financial legalese and the second noting that the book contains adult language, so “listener discretion is advised.” While I understand why such a warning is necessary, what made it funny was that, not five minutes later, there was a “bleep” in place of one of the expletives. Again, I point this out not as a criticism but purely because the irony entertained me. That said, while further choice four-letter words are bleeped, the book does contain some colorful language, sexual references, and the like — which is probably what that warning was all about to begin with.

Since we’re talking topics that are specific to the audiobook version of this title, I also have to say that I loved Kelly’s narration of her work. While her voiceover and the editing of said voiceover are up to par in terms of professionalism, a few choices on Kelly’s part helped her reading to stand out from other audiobooks I’ve consumed and helped to almost give it a podcast sort of feel (which could be because the author hosts a podcast of the same name). A prime example of this is a bit where Kelly pops into her chapter to share updates on a text conversation she was having with her partner in regards to a Friends reference she included a few moments earlier. Now, I don’t have the printed version of the book to know if this was included, but that’s hardly the point. Instead, this segment along with other small touches (such as adding laughter to some sections) made the book feel more relatable overall — to the point where I could actually believe she was really texting her partner and reading the results into the microphone in real-time.

Turning to the actual content of the book, Kelly covers a three-phase process that first focuses on getting consumers out of debt. As you might expect back on the title, this goal makes up the largest portion of the book. That said, things don’t stop with that final debt payment. Instead, Kelly then covers some ongoing tips for managing your money and becoming financially free (or financially independent, really). Because of this, even if you are currently debt-free, there’s likely still something for you to learn along the way.

To be sure, getting out of debt is not easy — as Kelly admits from experience. Nevertheless, the methods and ideas she presents do seem as though they’d be effective in practice. I say “seem as though” because, like many of the financial books I review, I’m not exactly the intended market. Despite this, I was definitely interested to hear Kelly’s suggestions and insights. For example, even as someone who reviews a ton of different personal finance tools, I appreciated Kelly’s point that those just starting to try to change their relationship with money should steer away from automation and make the process more hands-on. Then, once you have it mastered, you can move on to other tools that will do the heavy lifting for you.

Another aspect of Get the Hell Out of Debt that I appreciated was Kelly’s lack of judgment and condescension. Standing in contrast to some other books I’ve reviewed where the authors share “tough love” and preach “no excuses,” Kelly comes from a far more supportive place. In fact, even if Kelly is apparently cool with expletives, there is one word she says she bans from her groups: “should.” Demonstrating her sense of humor, she points out how people “should” all over each other and the like (if you don’t get the joke, try reading it a few times).

I also wanted to give a shout-out to another point Kelly made regarding retirement savings. As she states, all too often people will say that they have a 401(k) or IRA, but don’t exactly know what the funds in said accounts are invested in. Personally, I’ve definitely been guilty of this in my youth and Kelly brings up a great point — which is elaborated on as she explores different investments consumers can try out (after researching and understanding them, of course).

One occasionally annoying aspect of select books I read is that the author manages to work in dozens of plugs for their other services. To a certain degree, Kelly does this too, often mentioning her course/community and even inserting testimonials between each chapter of the audiobook. Yet, I give Kelly a ton of credit as these mentions feel organic and never detract from the material. Thus, when she plops in a big plug at the end of the book’s core material, I’m more than willing to listen. Yes, I realize that this is a very reviewer-centric thing to mention but it was richly appreciated.

Overall, I found Get the Hell Out of Debt: The Proven 3-Phase Method That Will Radically Shift Your Relationship to be an extremely approachable read for those looking to change their financial ways. What’s more, with Kelly being Canadian, she makes sure to cover specifics as they relate to that country, the United States, and elsewhere. As a result, I think this could be a great gift for someone you know is struggling with debt. Additionally, even if you’re currently comfortable but could use a “tune-up” in the money department, this easy and entertaining read could certainly help motivate you to pursue the next step toward financial independence. So, whether you opt for the paperback or the audiobook, I think you’ll get a lot out of Get the Hell Out of Debt.

Author

Kyle Burbank

Head Writer ~ Fioney
Kyle is the head writer for Fioney. He is a personal finance nerd, constantly looking for new apps and services to test and incorporate into his own financial game plan. In addition to his role at Fioney, he's written for other publications including Born2Invest, Lifehack, and Laughing Place, as well as his own site Money@30. He also creates personal finance and travel-related videos for Fioney's YouTube channel, which has garnered more than 2 million views. Currently, Kyle resides in Springfield, Missouri with his wife of 10 years. Together, they enjoy traveling (including visiting Disney Parks around the world), dining, and playing with their dog Rigby.

Other Articles by Kyle Burbank

Bilt and Blade logos on NY skyline

Bilt Announces Partnership with Blade Helicopter Service

Bilt is bringing more perks to its most loyal customers thanks to a new partnership. About the partnership: This week, Bilt Rewards revealed a collaboration with Blade. As part of this partnership, not only will Bilt members earn bonus rewards on Blade bookings but elite members will also enjoy special benefits from the helicopter taxi service. Now, Bilt Platinum elite customers will receive one complimentary Blade flight per year. This...
Ramp logo

Spend Management FinTech Ramp Raises $150 Million

The FinTech startup Ramp has revealed its latest "mega-round." About the round: This week, Ramp announced that it had raised $150 million. The Series D-2 was co-led by Khosla Ventures and Founders Fund. Additionally, new investors Sequoia Capital, Greylock, and 8VC joined existing investors Thrive Capital, General Catalyst, Sands Capital, D1 Capital Partners, Lux Capital, Iconiq Capital, Definition Capital, Contrary Capital, and others in participating in the round. To date,...
man holding a small model house

Lessons From a First-Time Home Buyer: The Worst Parts of Homeownership So Far

As you can probably imagine, making the jump from being a long-time apartment dweller to a first-time homeowner has been drastic. On the whole, the changes have been positive (which is why we chose to buy in the first place). But, of course, there are some downsides too — including some that I didn't really think about ahead of time. With that in mind, I wanted to share some of...
The "Email" field is empty, you must enter some text to proceed.The text you entered in the "Email" field appears to be invalid, please edit it and try again
Get the Latest News Delivered to Your Inbox

A Guide to Building Credit and Increasing Your Credit Scores

When it comes to credit, there’s some good news. The average credit score in the United States has been steadily rising in recent years, coming in at 715 in 2023. That may be because, today, consumers not only have more ways to access their credit reports and scores than ever before but also because there are an increasing number of options that Americans have for building credit in the first...

2024 SoFi Checking and Savings Review

Ever since I started taking an interest in the FinTech sector, one company whose name I’ve seen pop up over and over again is SoFi. Lately it seems as though that theme has been sent into overdrive as the company has not only become a household name thanks to its stadium naming rights deal but also because of the company’s continued product expansions. The most interesting development in my mind...
Brim logo

Brim Financial Raises $85 Million as It Eyes Global Expansion

Toronto-based FinTech infrastructure startup Brim Financial has announced a new funding round. About the round: Brim has revealed an $85 million round. The Series C was led by EDC Investments while new investor Vistara Growth and returning investors White Owl Group, Epic Ventures, and Zions Bank also participated. To date, the company has now raised $110 million including a Series B in 2021. According to Brim, the latest funding will...
Chase Freedom Flex card

Chase Reveals Q2 2024 Freedom 5%(+) Bonus Categories

Chase has announced its bonus category picks for the second quarter of 2024 — including some interesting twists. About the categories: As April approaches, Chase has revealed what categories Freedom and Freedom Flex cardholders can earn bonuses on. From April 1st through June 30th, customers can earn 5% (or more) in three categories: Amazon.com, Hotels, and Restaurants. Similar to how Chase embraced a "New Year, New Me" theme last quarter,...

FedEx Announces Winners of 11th Annual 2023 Small Business Grant Contest

Nearly three months after the entry period ended, FedEx has announced the winners of its 11th annual Small Business Grant Content. This year's event saw more than $300,000 in funds going to a variety of small businesses across the nation. Last month, the company revealed 100 finalists, with that list now being narrowed down to just 10 winners. This year's grand prize winners included KindVR, The Cupcake Collection, Up In...