b'Melanie Lockert, author of the book Dear Debt, shares how she finally made the critical mid shift from complete denial of her own $81,000 in student loan debt, to being obsessed about paying it off \\u2014 and then got other people to face the financial music, too. In Mailbag, 403(b)s, the hidden allure of tag sales and the importance of saving automatically. \\nLearn more about your ad choices. Visit megaphone.fm/adchoices'