Debt, Shame and Being Honest About Finances with Julian Kohlbrand

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In this episode of The Art of Imperfect Adulting, Amy Stone speaks with Julian Kohlbrand about navigating six figures of consumer debt, financial shame, and the path to authentic money management. Based just outside Seattle, Washington, Julian opens up about her experiences as an economics major, her personal struggles with debt despite a strong financial education, and how her journey led her to both self-acceptance and coaching others. Listeners will hear honest reflections on the emotional weight of debt, the power of open communication, and the practical, values-driven steps Julian took to change her financial future.

About Julian Kohlbrand:

Julian "Jewlz The Budget Nerd" Kohlbrand is on a mission to empower families to take control of their finances and reclaim their time. Through her coaching practice and podcast, she provides practical advice, actionable strategies, and ADHD-friendly support to help individuals and families achieve their financial dreams.

Main Topics Covered:

The emotional impact of consumer debt and why shame is so prevalent—even for those with financial know-how.How family values, generational beliefs, and upbringing shape our relationship with money and debt.The disconnect between academic economics and real-life personal finance skills (budgeting, debt management).Communication and transparency in relationships: aligning money philosophies with your partner.The role of ADHD in money management, executive functioning, and day-to-day financial decision-making.Creating actionable, judgment-free plans to dig out from debt—why talking about it is the first step to transformation.Rethinking social spending, boundaries with friends and family, and the tough adjustments that support financial health.Prioritizing values and intentional spending—how to manage your money without feeling deprived.

Quote from the Episode:

"It just felt like I had put on this backpack that I couldn't let go of. I carried it around with me everywhere. Then one day I said, we can't do this anymore. We have to rip the Band-Aid off. We have to figure this out and get rid of this because this is not how I envisioned my life to be." — Julian Kohlbrand

Timestamps:

[00:00:22] Julian introduced; Seattle life and love for Western Washington summers

[00:01:38] Navigating generational identity and family patterns

[00:04:10] Studying economics: college experience and the surprising lack of personal finance education