In this conversation, Peggy McInnes, a certified personal finance coach, shares her journey from being in debt to helping mid-career women achieve financial freedom. She discusses the importance of budgeting, tracking expenses, and understanding the difference between needs and wants. Peggy emphasizes the significance of accountability in financial coaching and provides strategies for paying off debt and building emergency funds. She also addresses common fears about hiring a coach and how to justify the cost by finding savings in one's budget.