Each year, on February 2, Punxsutawney Phil crawls out of his burrow and forecasts the weather by either seeing his shadow and returning to his burrow – signifying six more weeks of winter, or not seeing his shadow – signifying that winter will soon end. Just like Phil, it’s your turn to determine the future: are you going to live in the shadows of your debt, or are you going to take control of your finances and finally see spring?