In this week's  BA Q&A  Mandi is getting real about reinvention, risk, and responsibility. A listener in her 50s is ready to pivot careers but she’s not trying to blow up her financial “safety” to do it. In this economy? Whew. The fear is valid. But as Mandi reminds us, a pivot doesn’t have to be reckless to be powerful.

She breaks down how to make bold moves without making jarring ones:

• Set a minimum salary floor so you know your non-negotiables

• Max out your retirement catch-up contributions (don’t play about your future)

• Build savings while creating a real plan to tackle debt strategically

• And most importantly, pivot in stages (you don’t have to leap without a net)

Then she dives into part two of the question: facing down $45,000 in debt. Mandi shares practical best practices for staying ahead of debt, the mindset shifts required, and the common obstacles that trip people up from lifestyle creep to inconsistent income to avoidance.

Take a listen. Take notes. And remember, BA Fam—we don’t panic pivot, we plan pivot.

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