
 How to Money
 How to Money Eat the Avocado Toast w/ Justin & Haley Brown-Woods #1040
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 Sep 24, 2025  Justin and Haley Brown-Woods, financial counselors and co-hosts of the Price of Avocado Toast podcast, share their inspiring journey of paying off six-figure debt on teacher salaries. They discuss the emotional toll of financial shame and the importance of behavioral change in debt management. Listeners learn why tracking expenses is crucial for financial clarity, and how lifestyle inflation can lead to overwhelming debt. The couple also reveals how transformative experiences can strengthen relationships, proving that managing money involves both strategy and emotional insight. 
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Enjoying Life While Money Lasted
- They used the inheritance to buy a house, Roth IRAs, travel, and lifestyle upgrades.
- The couple enjoyed that season and admit it felt great until the money was gone.
Lottery-Sized Windfall Turned Debt Crisis
- Justin inherited $600,000 from a wrongful-death settlement and spent it within a few years.
- He and Haley then accumulated over $220,000 in debt after lifestyle inflation.
Side Hustle For A Season, Not Forever
- Use extra work or side gigs for a season if it helps reach a clear financial goal.
- Avoid indefinite hustling and ensure root causes of debt are addressed to prevent relapse.






