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The Minimalists The Minimalists
Joshua Fields Millburn & Ryan Nicodemus help over 20 million people live meaningful lives with less through their website, books, podcast, and documentary. The Minimalists have been featured in the New York Times, Wall Street Journal, Boston Globe, Forbes, TIME, ABC, CBS, NBC, BBC, CBC, and NPR.

Podcast 143 | Indebted

In this episode of The Minimalists Podcast, Joshua & Ryan sit down with Anthony ONeal, author of 5 Mistakes You Can’t Afford to Make in College, to discuss school debt, consumer debt, scholarships, credit scores, and credit cards, and they answer the following questions:

  • How do I strike a balance between paying off my student loan debt and building my dreams?
  • How can I attend college with no money?
  • How do I justify buying things of value when I’m in debt?
  • How do I pay off my significant student loan debt with my modest income?

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Minimal Maxims

Joshua & Ryan’s pithy, shareable, less-than-140-character responses. Find more quotes from The Minimalists at

  • “Simple isn’t necessarily easy.” —Joshua Fields Millburn
  • “Don’t talk about money problems until you create a budget.” —Ryan Nicodemus
  • “Content people don’t have the best of things, but they make the best of things.” —Anthony ONeal
  • “It’s not how any of us starts—it’s how any of us finishes.” —Anthony ONeal
  • “Go for the layup shots that are almost always guaranteed instead of always risking it for the three-point shots that aren’t guaranteed.” —Joshua Fields Millburn
  • “Spending four years of careless spending will force you into eight years of careful budgeting.” —Ryan Nicodemus
  • “I’m not against money—I’m against money problems.” —Ryan Nicodemus
  • “You can’t spend your way out of debt.” —Ryan Nicodemus
  • “It didn’t take you a day to get into debt, and it’s not going to take you a day to get out of debt.” —Joshua Fields Millburn

Mentioned in This Episode

This episode was produced by Shawn Harding. Our theme music was written and performed by Peter Doran. Our podcast is completely free, so if you find value in these episodes, please consider donating a dollar. Your donations help keep this podcast advertisement-free (because advertisements suck).

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