Introduction to Debt

Debt: A Four Letter Word

If you are like me, you probably cringe when you hear the word debt. It feels heavy. It is a burden. Many of us are buried under it. With skyrocketing costs and compounding interest, it can feel like it always grows and we can never get out of it.

I once had almost $90,000 in student loans, and when added together with my spouse’s loans it was closer to $140,000. The payments were astronomical. Then we bought a car, and a house. The amount of debt was in upwards of 3.5xs our annual income combined. The payments took more than 2/3 of our monthly earnings.

We felt like we would never get anywhere. It seemed hopeless. Our payments barely covered the interest most months.

It is Possible to Get Out of Debt

This is what set me on my mission to find a way out. Pursuing the American Dream had us drowning. I needed to find a life raft. It took me countless hours of research, and a lot of trial and error, to find a way that worked for us. I did find it, though. I set us on a path toward financial breathing space using determination, perseverance, a bit of sacrifice, and different methods I had learned. The result is that we no longer have student loan debt, and our car and home could be paid off within the next 2 years, if all goes as planned.

That lead me here. To this desire to help others who have found themselves in a similar scenario. I want to share with you what I have learned, so you don’t have to suffer as much. I want you to know it is possible, and you can do it, if you want to. That is what this website is all about. I hope it helps you. I envision it building a community of people with different ideas that we can all share to help one another.

You don’t have to pay off all your debt to get into a place where it won’t overwhelm you. It is up to you. Use this website as a place to learn and pick and choose what works for you.

To Financial Space and Joy in Life,



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