Becoming Debt Free with Andrew T

We are done with debt. Here's a list of people I thank for helping us along the journey. I also discuss what chapter is next. THANK YOU for following along this journey. Can't wait to see what's next. Cheers! --- Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In this episode, I talk about the struggles this journey can cause. It can wear you down and drain you mentally and physically. We all struggle sometimes, and that's okay. We just need people in our lives to lean on to keep us moving during these tough times. Feel free to reach out if you're struggling. Don't spend your whole life living paycheck to paycheck. $6,987.11 to go. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

Andrew catches you up on some of the things that happened between October 2021 and January 2022. Covid sucks, don't recommend. We're under $10,000 in student loans. Two loans left after January 2022 totaling $8,000 and reflecting on what 2022 could look like if everything keeps progressing the way it has been going. (That basically sums it all up, listen for some deep thoughts on what makes life awesome, and how that makes me feel). Cheers. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In today's episode, I go into what's been happening since the previous episode: with work, life, and plans moving forward. Since starting the Dave Ramsey Baby Steps in February 2020, I have eliminated $12,000 in student loans, cash flowed wedding and honeymoon expenses ($10,000-ish), and paid different insurance policies along the way ($2,000). If you would like to become debt free, send me a message and I can get you started. This can be you. You can get out of debt. Start today for better tomorrow's, for your kids, for your life. Help life become easier and less stressful by getting on a budget and on the Baby Steps. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

Andrew catches you up on what has all happened in life since the last episode. Marriage is fun. Venmo is a good way to buy drinks for newlyweds. And all the next goals in life. This week's CAN JAM of the Week "Rise Up" by Vinai featuring Vamero. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In this week's episode, I recap the past month's worth of bills. I opened a line of credit from my bank, please be gentle, it'll be paid back in no time. Then, we'll get into bills coming up and what the plan is going forward. This week's Can Jam of the Week: How Do You Like Me Now?! - Toby Keith. Tell that debt, and all other doubters "How do you like me now?" when you prove them wrong. Be a friend and tell a friend, and don't be afraid to ask for help! I'm right here if you need it! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In this episode, I answer questions from social media as to how I got to this point: who got me started, how and why I wanted to do this, and how difficult it is once the ball gets rolling. I talk about difficulties faced when paying off debt with intensity. "Not enough" is a phrase that comes to mind. Time flies by when you're working many, many hours a week. And at the end of the day, we're all a little broken. We all have our problems. However, no matter what it is, we can overcome those challenges. Then, I tell how he spent $1,735 this week. I'll be pausing the Baby Steps until after the honeymoon, but there are still payments being made. I also discuss taking debt as an option completely off the table. It is not something I want to do. This week's CAN JAM of the Week: Good Day by Brett Eldredge --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In this week's episode, I talk about how farmers trust the process in growing and tending their land. They complete tasks every day to get to the finish line that is harvest. While we want to see progress daily, the long haul debts. We need to make the long haul debts into a paper chain. With each $100 or $1000 link we cut, we get one link closer to the end of the chain. We get closer to the light at the end of the tunnel. We must have faith and trust this process. It works. The farmers always make it work. They always believe it until they see it. Then, I talk about bills I've paid and insurance due this month. Lots of money going to insurance. This week's CAN JAM of the Week: Whatever It Takes - Imagine Dragons. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In this week's episode, Andrew suggests a mindset change to help us see money differently. Using our hourly wage as a measuring tool, we can see how our spending habits impact our future. Then, after tackling one student loan, our eyes are set on the next student loan totaling $2,161. Andrew has devised a plan to get that one removed from his life. $15,346 will be left to go after this week's worth of payments come out. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

This week Andrew talks about what you should do with your Biden Bucks. Hint: pay off debt, catch up on bills, and pay down loans before you treat yourself. He fell off the wagon a little bit with eating fast food. $17,077 to go. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In this week's episode, Andrew discusses what was going on in the day trading world. He discusses why there could be some trouble in that arena in the coming months. He explains how and why to avoid risk at all cost. As risk is something to avoid while getting out of debt. Playing the stock market game is NOT a get rich quick plan. Use the debt snowball. Follow the Dave Ramsey Baby Steps. Do not invest in things you do not understand. Stop yourself from becoming addicted to the market. 85% of day traders lose money. Don't become another in that statistic. As always, be a friend, and tell a friend about this show if it impacts your life for the better. If not, just pretend it never happened. But, I'm hoping to create a community of people who want to succeed, financially and in life. Let's accomplish those goals together. Until next time, thank YOU for listening. Find Becoming Debt Free with Andrew T (as spelled on Facebook), and debtfreewithandrewt on Instagram. CAN JAM OF THE WEEK: Till I Collapse by Eminem Links Defining Insider Trading https://examples.yourdictionary.com/examples-of-insider-trading.html Attention Robinhood power users: Most day traders lose money CNBC Robinhood Users success rate: A Study https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3715077 Tags~~~~~~~~~~~~~~~~ Robinhood, GameStop, Stock, investing, risk, Dave Ramsey, Dave Ramsey Baby Steps --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In this episode, Andrew dives into the unsuccessful Student Loan Forgiveness programs. It's basically more of the same: overpromise, underdeliver. No real "forgiveness" of any kind over the course of 14 years. 99% rejection rate. See more stats at the links below. It's a sham at best. Be ready to be surprisingly unsurprised. https://www.forbes.com/sites/zackfriedman/2019/05/01/99-of-borrowers-rejected-again-for-student-loan-forgiveness/?sh=70bf9f1fb16b https://educationdata.org/student-loan-forgiveness-statistics#:~:text=Most%20people%20who%20are%20eligible,benefit%20from%20student%20loan%20forgiveness.&text=%2495.45%20per%20indebted%20student%20borrower,federal%20government%20forgives%20student%20loans. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

This week, Andrew dives into who should be in your boardroom and how should they impact your life. He gives an update on his student loan payment plan and progress. Then, he tells a story about his owner giving him a pair of dress shoes. It's touching. Don't. Cry. This week's CAN JAM of the Week: Can't Be Touched by Ron Jones Jr., Mr. Magic, and Trouble. Please feel free to support this journey by sharing or donating to the cause. Thank you for listening. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

On this week's episode, Andrew talks about the advantages of investing in 401k. Figure out how much you will have at retirement here: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator . Then he discusses his future financials, how that impacts things going forward, and why investing in retirement is low risk, high reward. Safe is good. Good bye and good riddance to 2020. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In this week's episode, Andrew talks about how to budget for the holiday season, ways to shop for loved ones, and builds a window for what that looks like. This week's CAN JAM: The Time is Now by John Cena. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In this week's episode, Andrew talks about a solid plan to prepare yourself for the Christmas Holiday season. Save $100 monthly to spend $1100 for Christmas, or even $50 a month for a quality Christmas season. Then, we talk about the bills paid this week. This week's CAN JAM: Monster by Skillet. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

On this week's episode, Andrew talks about how momentum got his debt snowball rolling. He digs into the swamp of debt he has slowly moved himself out of to gain financial freedom and independence. Have you crushed $20,000 in debt? Andrew has, and he paid $1,570.47 on his student loans this week. List your debts smallest to largest and tackle them like football players on Sundays. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

On this week's episode, Andrew talks about where we get financial advice, who we should trust and why our parents even make mistakes with money. So, why do we take advice from broke people? They might mean well, but why would you build a house with a shoddy construction company? Get it done and get it done right. Then a life update. Spoiler: it's a long road, lean on people to help you through it. Can Jam: Forever by Drake, Lil Wayne, Kanye West, and Eminem. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

Recording freestyle this week from work's parking lot. Life update and a can jam. Short and sweet. See you in two weeks --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

Andrew talks about why convenience and debt free do not belong in the same sentence. Anything worth doing takes time. Then a life update, CAN JAM (Warriors by Imagine Dragons). Episodes will come every two weeks starting TODAY. Mark Monday, October 5 for the next episode. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

On this week's episode, Andrew discusses things we should STOP buying, gives a life update, and sends you into the post Labor Day week with some motivational music. Can Jam: Thunderstruck by ACDC --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

Andrew gets into what “trusting the process” means and how we must keep the faith and focus to achieve our goals. Then a life update with bills and a new chapter in life, followed by the giveaway winner, and the CAN JAM of the week: Eye of the Tiger by Survivor. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

On this week's episode Andrew discusses insurance, why it's important, and why getting life insurance early can be helpful down the road. Then a little life update, what's next, and this week's CAN JAM. Oh, and another thing. I'm doing a giveaway. For every person who shares this podcast episode, they get entered. For every person you tag in the post you share, THEY TOO get an entry. What's this sweet deal you say? Dave Ramsey's book The Total Money Makeover, YOURS. I promise you, you will be hooked and won't be able to put the book down until you finish every last page. If you're the lucky winner, you MIGHT even find a sum of cash you can use as a bookmark. Cold. Hard. Cash. Contest ends August 30th. Find your endorsed local provider (ELP): https://www.daveramsey.com/elp/insurance Why insurance is important: Insurance Explained --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

On this week's episode Andrew discusses winning and what that looks like and its significance. Then I will give you a life update and send you into the next week with this week's CAN JAM from a great friend of mine, Molly Fykes. Information found during research for this week's episode can be found at the following links: https://www.credit.com/personal-finance/average-student-loan-debt/#:~:text=The%20most%20recent%20data%20available,owed%2C%20is%20an%20estimated%20%2432%2C731. https://www.experian.com/blogs/ask-experian/state-of-student-loan-debt/ --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

Andrew discusses what the Debt Snowball is, how it works, and why it's important to pay little debts back first. Can Jam of the week is by 2Pac and it is called Ambitionz az a Ridah. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

This week's episode: Couples beware. Money fights and money problems are the leading cause of separations of long-term relationships. Here's an episode to wake you up. Andrew talks about how disastrous breakups can be financially. Know yourself, your goals, and communicate your situation to your other half. Find goals and get after them. Most importantly, end the cycle of debt that robs future generations of financial freedom. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

In Episode 4 of Becoming Debt Free with Andrew T, Andrew discusses how budgeting your lunches at work can save you money, a little life update, and his financial recap going into this week. This week's CAN JAM: "Bad Chick" by Somo. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

This week's episode talks about owning the bed you sleep in. Struggles I have experienced with it, and how to overcome them. A financial update from Andrew T and a NEW segment called CAN JAM. Please send a song that gets you to think you can in the DM's. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

Today's episode talks about responsibility, in life and relationships. Get motivated to track your finances, find new ways to make money, but always find time for yourself to unplug and recharge. Manage your time, and manage your money. Resources: https://www.forbes.com/sites/prestoncooper2/2019/09/26/student-loan-default-rate-falls-but-dont-get-too-excited/#2588fb5c2955 Clip from The Dave Ramsey Show: https://www.daveramsey.com/askdave/relationships-and-money/areas-of-success-for-marriages#:~:text=ANSWER%3A%20The%20number%20one%20cause,%2C%20kids%20and%20in%2Dlaws. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support

Today is the day we make plans for financial freedom. Learn how with Andrew T. This common sense, straightforward approach is the best way to live. Working hard is no use when you don't have a plan afterwards. Start your path by following along my journey to becoming debt free. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/debtfreewithandrewt/support