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b'Chloe Elise found herself in almost $40,000 worth of debt in her mid-20s. To pay it down, she turned to many of the world\\u2019s popular financial gurus to help get her spending in check. Only what she found was that their tough-love, shame-based approach didn\\u2019t apply to her \\u2014 or to any of her college friends, for that matter \\u2014 so she created her own method for paying down her debt. Fast forward to today, and now she\\u2019s officially a millionaire at age 27. She tells us of her journey to become CEO of the financial literacy company \\u201cDeeper Than Money,\\u201d where she works with women to ban restrictive spending habits and instead spend in alignment with their priorities.\\nIn Mailbag, a listener asks for more clarification on one of Ramit Sethi\\u2019s money rules: \\u201csave 10%, invest 20\\u201d and we hear from someone who is wondering what the consequences are for closing a credit card they never use. For our money tip of the week, the number one first step when it comes to creating a plan for paying off your student loans.\\xa0\\nMore money news when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe!\\nThe HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney.\\nPlease contact\\xa0advertising@airwavemedia.com\\xa0if you would like to advertise on our podcast, and to learn more about Airwave, head to\\xa0www.airwavemedia.com.\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'