Debt Payoff Coaching
A weekly coach who reviews your numbers, holds the line on the plan, and tells you what to do next.
Talk to a coach
A real plan for your money
You can pay off debt.
Get a coach. Build a budget. Knock out debt one balance at a time. Thousands of families have done it. You can too.
Fifteen minutes. No pitch. We will look at your numbers and tell you the next thing to do.
Real plan. Real progress.
The numbers, plainly.
Specific dollars, specific years, real households. We post the actual figures because that is the register that matches the work.
[$ paid off]
Client debt paid off, since [founding year]
[Families]
Families coached to debt-free
[$ saved]
Average savings in first 90 days
[Rating]
Star rating across [review count] reviews
The Plan
Three steps to get out of debt.
The plan is plain. Step one is the buffer. Step two is the snowball. Step three is the real emergency fund. Most clients work the first three steps in twelve to twenty-four months.
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1
Save $1,000 for your starter emergency fund
Before anything else. This is the buffer that keeps a flat tire from becoming a credit-card balance.
-
2
Pay off all debt (except the house) using the snowball
Smallest balance first. Minimums on the rest. Roll the freed-up payment as each one clears.
-
3
Save 3 to 6 months of expenses in a real emergency fund
Now you are solid. A job change, a medical bill, a roof: none of these are catastrophes anymore.
Coaching
Three ways to work with us.
Same plan, different ways in. Pick the one that fits where you are this month. You can move between them.
Money Class
A 9-week class for households. Budgeting, debt payoff, emergency fund, retirement basics, and how to talk about money with your spouse.
See the scheduleBusiness Advisory
Cash flow, owner pay, and pricing for service businesses doing $250K to $2M in revenue.
Book a consult
How it works
Show us the numbers. We tell you the next step.
Bring last month's bank statement and a list of debts. Fifteen minutes on a call. You will leave with one specific next move, written down.
If you decide to keep going, we set up a weekly cadence. If you do not, the action plan is still yours to use.
Book the free call
Real results
[Timeline]. One household.
[Client first names] came in at the end of a credit-card year. They left with both cars paid off and a full emergency fund. The plan works the same way for the rest of us.
Before
-[$ debt]- Three credit cards maxed out
- Two car payments
- No emergency fund
After
[$ saved]- Zero credit-card debt
- Both cars paid off
- Full emergency fund
"We were [$ debt] in debt with a new baby. [Timeline] later, every balance is zero. The plan works. You just have to actually do it." [Client name], [City, State] [$ paid off] paid off · [Timeline]
Meet the coaches
Real people who have walked this road.
Every coach has done the work in their own household first. Specific specialties, plain language, weekly availability.
Coach photo
[Coach name]
Lead financial coach
Fifteen years walking households out of debt. Specialty: blended-family budgets and small-business owner pay.
Coach photo
[Coach name]
Money-class facilitator
Teaches the 9-week household class. Former public-school teacher. Has the patience and the spreadsheets.
Coach photo
[Coach name]
Business advisory
Service-business owners doing $250K to $2M. Cash flow, owner pay, pricing. No jargon.
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