Incredibly well written. Truly, I mean that. The way you expressed your mindset whilst in debt really captured the feeling and has inspired me to reflect on what stories I tell myself about money and the relationship I have with it. Still, I can’t help but think that the most powerful aspect of your story is your relationship with Sophie and how she became your accountability partner. Here’s an excerpt from an article published in “The American Society of Training and Development found that people are 65 percent likely to meet a goal after committing to another person. Their chances of success increase to 95 percent when they build in ongoing meetings with their partners to check in on their progress.

As someone who has recently achieved the goal of clearing your debts, what are your thoughts on a technology platform which would match users with approximate levels of debt, creating accountability partnerships, then both being connected with a third ‘mentor/person who has successfully cleared debt’ and they would work together to help each other out of debt? It’s an idea I’ve been researching and wanted to reach out and see whether you can see it’s value and utility? As well as any problems or faults you can see with the idea in general?

Perhaps the greatest gift that we can give to each other is a greater understanding of ourselves.