I am someone who spent recklessly on credit cards.

I am someone who ran up tens of thousands of dollars of debt on meaningless stuff.

I am someone who committed 12% of her monthly income to a luxury SUV to drive 24 city miles a day at 16 mpg.

I am someone who committed 4% of her monthly income to an underutilized luxury gym membership.

I am someone who lost sight of their values over the last few years.

I am someone who is working to change all that.

Paying off debt, simplifying life.