I’ve talked a lot about how we singles can negotiate in a world that caters to couples. That tends to be a one-way conversation: I write here, you click on it and hopefully read it.

This time around, I thought I’d try something different. This newsletter is Q&A with Jo. Jo lives in Ontario and is single. They have been very open about their relationship with money. I asked them if I could ask them a few questions because Jo has had some bad financial breaks but is taking control of their finances.

Q: Tell me about yourself. What was your debt situation when you decided you needed to make a change?