"Why do I want love from being over generous," was a question Ferguson said she has had to ask herself many times.
"There were self-worth issues," Ferguson explained on "GMA." "Instead of me spending money, it was me feeding my people-pleaser addictions."
Doing the documentary on OWN gave Ferguson access to stars from "The Oprah Winfrey Show" such as financial expert Suze Orman and life expert Dr. Phil, neither of whom treated the duchess with royal gloves.
"I see him as a big gentle giant," Ferguson said of Dr. Phil. "But you have to be careful because at any moment he'll say, 'Sarah, is that really what want?'"
Orman, likewise, took a no-holds barred approach to working with the duchess and reigning in her free-spending ways.
"The best news is that I'm now debt free," Ferguson of the happy ending to her year-long struggle to regain her footing, with OWN cameras in tow.
"Moving forward, it's positive," she said. "This time when I start again, it [debt] won't slip through. I have the tools."
Next up for Ferguson: more projects, with more royal secrets to share.
The duchess has created a hard-copy documentary of her OWN documentary in the form of her latest book, "Finding Sarah: A Duchess's Journey to Find Herself," to be released June 28.
The book includes her personal diaries and emails from the last year as she struggled to rebuild her life.
"Can you imagine seeing how I got through it, how I survived Dr. Phil?" Ferguson said of the book's personal and emotional contents.
The duchess also has her latest series of children's books, the "Helping Hand Books" series, in bookstores now.
The books, with titles such as "Matthew and the Bullies," "Emily's First Day of School," "Ashley Learns About Strangers" and "Michael and His New Baby Brother," include tips and resources for parents too.
And it's just those kinds of resources, in her case Dr. Phil, Suze Orman and Oprah, that make the duchess appreciative of the opportunity "Finding Sarah" on OWN gave her.
"How lucky am I," Ferguson said of her yearlong journey to recovery.