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I grew my salary to $180K a year while paying down $40K in credit card debt. I've gone from ashamed to empowered.

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Courtesy of Lindsey S; BILindsay Stockall is a 38-year-old who splits her time between Newport Beach, California and Halifax, Nova Scotia. Business Insider has verified her income and employment history with documentation. The following as-told-to essay has been edited for length and clarity.

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