One of the best first steps in getting your finances under control and moving towards being financially independent is the idea of Debt Unification.  Many other people call this same term "Debt Consolidation", but we prefer the term Debt Unification. In this episode we discuss what that entails and why you'd want to do it. We also discuss the pitfalls of debt unification in terms of what might go through a persons psychology when they suddenly have empty credit cards and lines of credit.