every wednesday on "today," "today" financial editor jean chatzky doles out advice. e answers all in one place. what is the one question you say you get more than any other? >> this year the big question has been revolving around debt, how do i get out of it. how do i improve my credit score. we all took on a little bit more than we wanted to. now we're trying to dig our way out. >> is there an answer to that that's easy? >> there are many answers to that. if what you're looking to do is paying offer your credit cards, you want to make sure you're paying off the highest interest rates first, and then move on. that will get you out of it fastest and cheapest. >> that makes sense, basically you were saying there's something from all of the things, people get overwhelmed. we've all gotten smarter listening to your advice. it still is sometimes overwhelming. what's the one thing, if we could just understand one idea, what would you recommend it be? >> when i put pencil to paper or my fingers to the keyboard to write this book, i did it because when we want answers to our

. >> so, jean chatzky, aka dr. spock. >> i'll be a vulcan. >> you got a call from a woman named wendy last may. she and her husnd at that time, were about $90,000 in credit card debt. she has no children, they're both employed. they wanted to know how they could get out of their credit card debt. what was your advice? >> i told her to talk to the consumer credit counseling service. she was interested in debt settlement. which is potentially a dangerous area for some people to go down. you should try credit counseling first. i suggested that to her. >> we actually have wendy on the telephone. >> wendy, did that work? hi, good morning. did jean's advice help or hurt

just open it and use a little bit at a time. >> jean chatzky, thanks, you can read an excerpt of the r website. jean's going to be back in our next half hour. but first, this is "today" on nbc. >>> this morning on today's call to action, healing wounded warriors. in a program that caters specifically to women. here's nbc's kerry sanders. >> reporter: high in the colorado rockies, on the slopes at snowmass dramatically altered lives are evolving in the way these service members never expected. thanks to an organization called challenge aspen. military opportunities. or camo. >> nothing is beyond my reach. as long as i try. and that's the thing. things that i haven't done before -- i want to be able to at least have the nerve to give it a try. >> reporter: 33-year-old irashekia henry is among a group of warriors learning to ski. each combat injury is different, but the vets here share one thing in common, they're all women. >> what have you discovered about the depths of america's gratitude? >> that it's limitless. >> nice, beautiful! >> so good to see the support that you know, america