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In this deeply personal episode of The Build Show Podcast, host Matt Risinger opens up about his 20-year business journey, sharing hard-won lessons about debt, financial struggles, and the path to recovery. As he reflects on three significant anniversaries - 20 years in business, 10 years debt-free, and 15 years since accumulating massive debt - Matt provides a candid warning to fellow builders about the dangers of speculative building and overleveraging. Matt recounts his early days starting Risinger Build in 2005, moving to Texas without connections and turning to spec homes to build his reputation. What began as calculated risks quickly spiraled into financial catastrophe during the 2007-2008 recession, ultimately leaving him $300,000 in debt and on the verge of bankruptcy. He shares the painful reality of paying $7,000 monthly for four years to dig out of debt, the strain on his marriage and family, and the spiritual journey that helped him persevere. This episode serves as both a cautionary tale and an inspiration, demonstrating how contentment, faith, and disciplined financial management can lead to recovery. Matt emphasizes the importance of avoiding the trap of comparing yourself to clients' lifestyles and the dangers of using debt to fund desires rather than necessities. Now completely debt-free except for his mortgage, Matt offers practical wisdom for builders and entrepreneurs about sustainable business growth and the true cost of financial overextension. Huge thanks to our episode sponsors Aquor Water Systems and Champion.