Podcasts about debt free

Today we are taking with a newly graduated med student who made it through school debt free. She worked four different jobs and ended up joining the National Guard to help cover costs. She worked hard to save up enough to pay cash for her first year of school before joining the military to cover the last 3 years. After the interview we are talking about the pennies issue with the backdoor Roth IRA. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today, by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Is debt still avoidable, or has borrowing become a fact of life in Canada? Ontario Licensed Insolvency Trustees Doug Hoyes and Ted Michalos answer our questions, share a simple test to assess new debt, and provide an action plan for those struggling to make ends meet. (00:00)  What's changed in Canada's economy recently? (02:30)  The problem with “good debt” as conventional wisdom (04:00)  Auto loans: smart purchase or risky commitment? (10:00)  Student loans: are they worth it? (14:00)  What the household debt-to-income ratio tells us (17:00)  Red and green flags when borrowing money (18:45)  Is it still possible to live debt-free in Canada? (20:00)  Doug & Ted's 5-point test for smart borrowing (22:00)  Understanding the hidden risks of borrowing (23:50)  Your debt action plan: what to do starting today (25:00)  Mortgage tips: borrowing for a home in today's market (27:30)  The best kind of debt - and what to do if yours isn't working for you DEBTASIZED – Full Length Documentary Debt Repayment / Consumer Proposal Calculator Hoyes Michalos Debt-to-Income Ratio Calculator Joe Debtor – Canadian Insolvency Statistics Explained Reducing Tax Debt in Ontario Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Portland Bible College

Send us a textIn this solo episode, I'm pulling back the curtain and sharing a mid-year update that's been a long time coming.As I approach 300 episodes of Walk 2 Wealth, I've realized something big: for too long, I treated this show like a hobby—when in reality, it's my purpose. In this episode, I talk through what's shifting in my life and business, how my relationship with God is changing everything, and why I'm done playing small.I also share:Why I've decided to fully recommit to this podcastWhat sparked the idea behind my new “Journey to Debt-Free” series (yup—I even reveal how much I owe)How I'm planning something special for episode 300 (including a short film and a live experience)Why faith is now front and center in how I move personally and professionallyIf you've ever wrestled with purpose, felt the tension between calling and comfort, or struggled to balance your hustle with your heart—this one's for you. I'm not holding back. This is me, fully committed and walking in faith.Support the showHOW TO SUPPORT THE WALK 2 WEALTH PODCAST: 1. Subscribe, Rate, & Review us on Apple Podcasts, Spotify, YouTube, or your favorite podcast platform. 2. Share Episodes with your family, friends, and co-workers.3. Whether you're just starting your business or your business is established, ChatGPT can help you take your business to the next level. Get Instant Access To My List of Top 10 ChatGPT Prompts To Save You Time, Energy, & Money: HTTPS://WWW.STOPANDSTARE.MEDIA/AI

Don't just brace for a recession, prepare to come out stronger. This conversation is about turning Canada's economic uncertainty into an opportunity for financial growth (or, at least, stability). We'll equip you with proactive strategies for managing debt, finding new income streams, and building a mindset of resilience. Learn how to take decisive control of your financial future, no matter what the economy throws at you. (00:00) – Prediction: How We Knew a Recession Was Coming  (02:30) – Rising Costs & Reduced Work Hours Impacting Households  (04:00) – Forecast: Hitting Recession Thresholds by End of Summer  (05:30) – Managing Money vs. Managing Debt: Good Times vs. Bad  (07:45) – First Steps When You Feel Financial Pressure  (11:00) – Side Hustles 101: Pros & Cons of Supplemental Income  (14:00) – Leveraging Networks & Community Support  (15:45) – How to Start (and Grow) an Emergency Fund  (18:00) – Recession-Proofing Strategies for Homeowners  (19:15) – Top Tips for Canadians in Debt as Recession Hits  (27:00) – Building Mental Resilience & Setting Realistic Goals  Reducing Tax Debt in Ontario Planning For Retirement When You Have Debt Why You Absolutely Need An Emergency Fund Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.  

226: In episode 226 of the REtipster Podcast, I'm talking with Tyler Cauble, a commercial real estate investor and YouTuber flipping the script on the CRE game. Tyler started selling Cutco knives in college, dropped out, and built a massive portfolio without ever touching residential real estate.(Show Notes: REtipster.com/226)We dive deep into how he has built massive value, like finding $215K in equity without doing any rehab. We also explore flex space vs. retail, cost segregation studies, broker strategies, and the creative partnerships he forms (like pairing pickup with storage facilities to boost occupancy).If you want to break into commercial or industrial real estate, this episode is packed with tactics you can use today.

When we've been hurt, our natural response is to hurt back. It's no wonder that hurt people hurt people. But in the Kingdom of Jesus, responding to our pain by causing pain in others isn't an option. In fact, Jesus says that we're supposed to forgive those who have hurt us. Not just a few times, but EVERY time. This is one of the most difficult aspects of life in the Kingdom. But when we recognize how much God has forgiven us, how can we not forgive others. If I have been forgiven by God, how can I not forgive others?

Is it ever “too late” to get out of debt? Whether you're mid-career, nearing retirement, or already retired, this episode will shatter the “too late” myth and walk you through clear, actionable steps to take control of your finances, no matter your age or life stage. Visit hoyes.com to get personalized support in Ontario from a Licensed Insolvency Trustee to reduce debt before retirement, and access the FREE Hoyes Michalos credit rebuilding course. (00:45) Age & Debt: Does Your Age Limit Your Options? (03:00) Why It Feels “Too Late” – Common Concerns Explained (04:45) Step 1: Identify Your Income Streams (06:40) Step 2: Track Your Expenses and Spending Habits (10:00) Step 3: Review All Your Debts and Available Credit (10:45) Step 4: Build a Realistic Repayment Plan (Budget) (14:20) Approaching Retirement? Key Actions You Need to Take (17:00) Where to Apply Extra Payments: Tackling High-Interest Loans First (20:00) Why Debt Consolidation Often Falls Short (22:00) Downsizing, Selling Assets & Tapping Savings: Pros & Cons (24:00) Can it be too late for a Bankruptcy or a Consumer Proposal? (26:00) The One Debt That Never Disappears on Its Own: CRA (28:00) It's Never Too Late: Reducing Debt Legally Planning For Retirement When You Have Debt Debt Relief for Seniors in Canada: Your Options and Solutions RRSP and Bankruptcy in Canada: Will I Lose My Retirement Savings? Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Don't Let the Sticker Price Fool Ya': What Parents Must Know About Paying for CollegeIn this segment, Dr. Pamela Ellis discusses the various ways to navigate funding college tuition without putting yourself in debt.WHO IS DR. PAMELA ELLIS?Pamela Ellis, MBA, PhD—The Education Doctor®— partners with busy parents to help their teen find a college that feels like home without over-paying. As an award-winning CEO and consultant, Dr. Pamela's experience with the education system includes advising school districts, community organizations, and institutes of higher education. She founded Compass College Advisory in 2010 and has served over 1,000 families. 95% of their students have been admitted to their top-choice colleges and the average scholarship is $75,000. Dr. Pamela is ahighly sought-after speaker and author of the best-selling book What to Know Before They Go: College Edition. Dr. Pamela graduated from Stanford University and the Tuck School of Business at Dartmouth College, and she earned a doctorate from the Stanford University School of Education.DR. PAMELA'S CALL TO ACTION & CONTACT INFOAfter listening to this episode, take a moment to reflect on your own parenting journey. Embrace the ups and downs, and think about one small step you can take to strengthen your connection with your kids, even on the tough days.https://www.linkedin.com/in/drpamelaellis/GENESIS'S CALL TO ACTIONSubscribe / Follow GEMS with Genesis Amaris Kemp podcast on audio platform & YouTube channel, Hit the notifications bell so you don't miss any content, and share with family/friends.  GENESIS'S INFOhttps://genesisamariskemp.net/genesisamariskemp If you would like to be a SPONSOR or have any of your merchandise mentioned please reach out via email

Worrying About Paying for College? Free Webinar!Our Free Life Without Payments Workshop is on July 15th. You can sign up here: https://www.debtfreedad.com/pl/2148605132Subscribe to Simplify My Money: https://www.debtfreedad.com/newsletters/simplify-my-moneyDiscover how to help your kids graduate college without the burden of student loans. In this episode, Ryan Nelson shares practical tips including early planning, comparing degree value vs. cost, working while attending college, avoiding prestige schools, leveraging scholarships, and utilizing community college programs. Learn how these strategies enabled his three children to earn their degrees debt-free and how they can work for your family too. Start planning for a debt-free future today! Support the showThe Totally Awesome Debt Freedom Planner https://www.debtfreedad.com/planner Connect With Brad Website- https://www.debtfreedad.com Facebook - https://www.facebook.com/thedebtfreedad Private Facebook Group - https://www.facebook.com/groups/debtfreedad Instagram - https://www.instagram.com/debtfreedad/ TikTok - https://www.tiktok.com/@debt_free_dad YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured Thanks For Listening Like what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTube We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one. Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!

In this practical and mindset-shifting episode, Better Than Rich host Mike Abramowitz sits down with Phil Risher, founder of⁠ YoungAdultSurvivalGuide.com⁠, to explore how he paid off $30K in student debt in just one year — on a $48K salary.Phil shares his framework for financial clarity, how he avoided lifestyle creep, and the unconventional mindset that helped him design a debt-free, purpose-driven life before age 25.This is a must-listen for high earners who still feel financially stuck and for parents who want to raise money-wise kids.

Declare your independence! In this special Independence Day episode, Art challenges listeners to declare their own Debt-Free Independence Day—a moment to break free from the weight of debt and commit to a new financial future. Don't miss it!Resources:8 Money MilestonesMy Church Staff: StewardshipAsk a Money Question!

Support the ministry and help us reach people worldwide: https://bit.ly/MarinersGiveFirst Time?Start Here: https://bit.ly/MarinersconnectcardCan we pray for you? https://bit.ly/MarinersPrayerOnlineYou can find information for all our Mariners congregations, watch more videos, and learn more about us and our ministries on our website https://bit.ly/MarinersChurchSite.FIND US ON SOCIAL MEDIA• Facebook: https://www.facebook.com/marinerschurch• TikTok: https://www.tiktok.com/@marinerschurch• Twitter: https://twitter.com/marinerschurch• Instagram: https://www.instagram.com/marinerschurch

When parents ask their adult children to co-sign a loan, add their name to a mortgage, or take out a car loan “for the family,” it can feel impossible to say no. But what are the risks? Ontario Licensed Insolvency Trustees Doug Hoyes and Ted Michalos break down the financial (and emotional) minefield of taking on debt for your parents. From credit utilization issues to legal responsibility and long-term credit damage, they explain how even well-meaning help can backfire, and offer solutions to support aging parents without risking your financial stability. (00:00) Risks of Co-Signing for Your Parents' Credit (02:30) Why Parents Ask Their Kids to Co-Sign Loans (05:50) Supplemental vs. Joint Credit: What's the Difference? (07:30) Co-Signing Auto Loans: Why It's Risky (09:00) Credit Utilization: How It Hurts Even If Payments Are On Time (12:30) Planning for the Worst: Protecting Yourself from Family Debt (14:45) What to Do If You Can't (or Don't Want to) Help Your Parents (16:30) Safe Ways to Support Parents Without Taking on Debt (19:45) Helping Your Parents Manage Money as They Age (26:30) How to Help Parents with Unmanageable Debt How Co-Signed Debt Is Dealt with in a Consumer Proposal Is a Secondary Credit Card Holder Responsible for Debt? Can a Joint Bank Account be Garnished in Canada? Best Debt Relief Options Ontario Free Credit Rebuilding Course and learning resources Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Author, podcast/radio host, and Certified Financial Coach Rachel Cruze breaks down the easiest methods for paying for college WITHOUT debt.Full interview with Rachel in Episode 39 of The Action Catalyst.

You pay off your debt, celebrate your success, and then BAM - your car needs repairs and you're right back to using credit cards. Sound familiar? There's one simple financial tool that prevents this cycle, but most people have never heard of it. I'm talking about sinking funds, and they're absolutely game-changing for staying debt-free. In this episode, you'll get the exact step-by-step process to set them up, including real numbers, simple systems, and how to make it work even when money is tight. Stop being surprised by 'unexpected' expenses that aren't really unexpected at all.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

For many newcomers to Canada, the Canadian credit system can feel like a high-stakes challenge. Although it's essential for building a financial life, aggressive lending practices, cultural mindsets around credit, and a lack of clear guidance can lead to overwhelming debt before fully understanding how the system works. In this essential episode, Ontario Licensed Insolvency Trustees Doug Hoyes and Ted Michalos discuss the challenges newcomers may face, explain how banks and lenders operate, and pinpoint the critical warning signs to watch for when navigating a new financial life in Canada. 00:00 – Why do banks and lenders target new Canadians? 03:30 – How Canada's credit culture affects immigrants 06:00 – How do credit and banks work in Canada? Can they be trusted? 09:00 – Unique financial challenges for newcomers 11:00 – What banks consider when lending to new Canadians 12:30 – Is building credit the only way to succeed? Ted's advice 14:00 – Red flags for immigrants seeking financial help: Who can you trust? 22:00 – Credit advice everyone should know (not just newcomers) 23:30 – Real-life scenario that illustrates key credit considerations for new Canadians 26:00 – What to do if you're an immigrant (or anyone) with unmanageable debt in Canada Bankruptcy, Sponsorship, and Citizenship in Canada Student Loan Debt Forgiveness Best Debt Relief Options Ontario Free Credit Rebuilding Course and learning resources Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

In the final part of this four-part series, Joey Coberly opens up about running a debt-free company, building emergency reserves, and making wise financial choices to help lawn care business owners stay in control and out of the red.

Faizan Syed of A Continuous Charity talks to Zainab bint Younus about what ACC can do for Muslims seeking riba-free higher education in the West, and what that means for our communities at large. If you're a university student, parent of a university student, or just want to help your community, this episode is for you!

On this episode of The Table with Anthony ONeal, we're sharing how it's possible to eliminate your debt—and even become completely debt-free—in the next 6 months, with no sugarcoating. This episode lays out the truth: financial freedom is possible, but the journey isn't easy, quick, or glamorous. It requires discipline, sacrifice, and a clear strategy. If you're tired of living paycheck to paycheck or feeling buried by debt, this is your wake-up call.☎️ Ask AO: (771)-224-8131(leave a 60 sec. voice message)Mentioned On Today's Show:**This show is sponsored and brought to you by Kikoff!**

Author Patricia Roberts joins me to share how families can use a 529 plan to pay for college—and more—without going into debt. Her insights from Route 529 are practical, powerful, and might just change your financial future.To find out more about Patricia and her book, https://www.linkedin.com/in/patriciarobertssolutionsWant to be a guest on Life Stories Podcast? Send Shara Goswick a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1718977880777072342a16683

Boomer budgeting tips collide with millennial money challenges in this candid conversation about debt, savings, housing costs, and the rise of gig-work income. Whether saving for a first home or paying off old credit cards, this episode bridges the generation gap with actionable insights for any age, complete with tried-and-true tactics Boomers still swear by, tech-savvy hacks Millennials can't live without. 0:00 - Do Boomers Have It Easier? Debunking Generational Money Myths 3:10 - Why Millennials Lead Insolvency Filings & Credit-Card Debt 6:00 - “Credential Creep”: Rising Education Costs and Student Loans 9:00 - Buying a Home: 1980s Down Payment vs. 2020s Reality 13:00 - Starting Adulthood in Debt: How Timing Shapes Finances 16:00 - Shifting Attitudes: From Debt-Free Dreams to “Normal” Borrowing 18:00 - Gig Economy 101: Income Streams Boomers Never Faced 19:30 - Interest-Rate Shocks: Then (18%) vs. Now (Variable & Rising) 22:00 - 31 Flavours of Credit: BNPL, Lines of Credit, & More 25:00 - Boomer Money Rules That Still Work Today 28:00 - Reverse Mentorship: What Millennials Can Teach Boomers Joe Debtor Study https://hoyes.info/joe-debtor-study Student Loan Debt Help Ontario https://hoyes.info/student-loan-rules-ontario Free Credit Rebuilding Course and learning resources https://hoyes.info/credit-rebuilding-course-free Sign Up For The Monthly Debt Free Digest https://hoyes.info/newsletter Check out our other YouTube Channel: @hoyesmichalos  https://www.youtube.com/@hoyesmichalos Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Portland Bible College

06.10.25 - Debt Free Audio by The Mission Church

Do you think budgeting is boring, restrictive, or just not for you? Let's change that!

happy Monday

Who actually gets the scholarship money? Is it awarded straight to you or sent to your college/university on your behalf? Does it really make any difference either way? What if you're in high school and won't be going to college for another year or two? What if you aren't enrolled in a college yet? Then where do the scholarship funds go? Answers in today's episode! Also, let me find some scholarships for you! Schedule a FREE Scholarship Strategy Session with me to discuss how I can find you between $10,000-30,000 in scholarship opportunities! Plan a time on my calendar here –> https://calendly.com/moneyandmentalpeace    LET'S GOOOOOOOOOOOOOO!!!   Related Episodes:   172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (: 158 - How to Graduate College with $10,000 to SPARE! Learn About FREE COLLEGE Here...    Facebook --＞ Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics related to this episode: save money, financial peace, debt-free, debt-free community, cost effective, pay for college, university, collegiate, academic, academia, Dave Ramsey Baby Steps, frugal, frugality, church coffee, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, finding scholarships, scholarship database, grants, bursaries, google it, duck duck go, ask family and friends, local businesses, church, denominations, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, CLEP, test out of classes, test out, returning student, non-traditional student, adult college student

Have you ever wondered what life would look like if your credit score didn't exist? Licensed Insolvency Trustees Doug Hoyes and Ted Michalos compare Canada's score-driven system with France's radically different, no-score approach. You'll learn: How France decides who can borrow—without a three-digit score. The cultural attitudes that shape lending and spending in France and Canada Why credit-report errors and identity theft are bigger issues than most Canadians realize. Whether Canada could (or should) adopt parts of France's model—and what you can do right now to work the system in your favour. (00:00)  Intro – How Canada Tracks Credit with TransUnion & Equifax  (04:45)  France's “No-Score” System: How Trustworthiness Is Judged  (07:10)  Lending Culture in France: Relationships Over Ratings  (09:00)  Lending Culture in Canada: Why Scores Still Rule  (13:00)  Could Canada Move Toward a French-Style Model?  (15:50)  Credit-Report Errors: The Hidden Cost of Scores  (19:00)  Building Rapport with Lenders: Help or Hindrance?  (20:30)  Identity Theft Risks: Centralized Data vs. Decentralized Files  (22:00)  Which System Carries Less Bias—France or Canada?  (26:30)  Is Canada's Credit Reporting Actually Working?  (28:00)  Takeaways: How to Navigate Canada's System to Your Advantage    The Big Credit Score Scam Solutions for Maxed-Out Credit Cards Hoyes Michalos FREE Credit Rebuilding Course and Learning Resources Sign Up For The Monthly Debt Free Digest The Best Canadian Personal Finance and Debt Management TikToks Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Send us a textDIVIDENDS PAY OFF.  Liabilities Are Rising. Look To Buy AssetsFix Credit - Improve Credit -  Build Credit NOW!

In this episode, we dive into a question that's been on our minds for a while now—should we renovate our bathrooms? It's not just about tiles, fixtures, or a fresh coat of paint. It's about balancing finances, finding peace of mind, and nurturing the home we've built, both physically and emotionally. If you're considering a big renovation project or feeling stuck a the decision-making process, tune in as we break down our thoughts and weigh our options. While we don't have all the answers yet, we hope our journey sparks some clarity for your own situation.     Our website: www.forbetterandworth.com   Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Ever wondered if your business could benefit from grants, or whether they're even available to companies like yours? Today's eye-opening conversation with Stormy Banks shatters common misconceptions about business grants, revealing a funding path many entrepreneurs completely overlook.TODAY'S WIN-WIN:Grants are for established and start-up businesses.LINKS FROM THE EPISODE:You can visit our guest's website at: www.pinkprint.netAttend our Franchise Sales Training Workshop:  https://bigskyfranchiseteam.com/franchisesalestraining/If you are ready to franchise your business or take it to the next level: CLICK HERE.Connect with our guest on social:https://www.instagram.com/pinkprintfirm/ABOUT OUR GUEST:Stormi Banks is the founder and CEO of Pink Print Firm, a full-service grant writing agency dedicated to helping entrepreneurs secure funding. Under her leadership, the firm has obtained over $19 million in debt free funding for small businesses across the U.S. ABOUT BIG SKY FRANCHISE TEAM:This episode is powered by Big Sky Franchise Team. If you are ready to talk about franchising your business you can schedule your free, no-obligation, franchise consultation online at: https://bigskyfranchiseteam.com/.The information provided in this podcast is for informational and educational purposes only and should not be considered financial, legal, or professional advice. Always consult with a qualified professional before making any business decisions. The views and opinions expressed by guests are their own and do not necessarily reflect those of the host, Big Sky Franchise Team, or our affiliates. Additionally, this podcast may feature sponsors or advertisers, but any mention of products or services does not constitute an endorsement. Please do your own research before making any purchasing or business decisions.

Zombie memberships are real – and they're feasting on your budget every month. Forgotten fitness app? Digital subscription you thought was cancelled? Auto-renewals can quietly drain your finances if you're not paying attention. Doug Hoyes and Ted Michalos discuss why some subscriptions are so easy to miss, and how to track, cancel, and avoid them going forward. This episode includes real examples, expert tips, and even a personal story from the Hoyes Michalos team, proving it can happen to anyone. (00:00) Are You Paying for Subscriptions You Forgot About? (03:00) Fitness Classes, Digital Apps & Other Zombie Memberships  (07:00) Why Auto-Renewal Is a Red Flag  (12:00) How to Identify What's Draining Your Cash  (16:00) Our Own Zombie Membership Story  (17:30) Why Cancelling Is So Hard  (19:30) Track It and Cancel It Fast  (21:00) Use the “One In, One Out” Rule  (24:00) Try Before You Buy: Avoid Entering Credit Card Info  (27:00) You Don't Have to Give Up What Works for You  Hoyes Michalos FREE Credit Rebuilding Course and Learning Resources Balancing Needs Vs Wants When Budgeting What To Do About Credit Card Debt In Collections Sign Up For The Monthly Debt Free Digest Get A Personalized Debt Plan Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

This week on our podcast, we dove into an unexpected yet eye-opening connection between the hit reality show Got to Get Out and the process of getting out of debt. Who knew a competition show could offer such powerful insights into financial freedom? When our daughter suggested the show, we didn't think much of it—but as we watched, the parallels to debt reduction became impossible to ignore. This is proof that you can find inspiration in unexpected places.  Tune in to hear our insights about the show and how it relates to achieving any financial goal.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung    

Pajak shares the surprising story of how having zero debt and money in the bank actually hurt his chances of getting a mortgage. This episode exposes how credit scores reward debt, not discipline and why true financial freedom comes from living within your means and building your business to fund the life you want. Comments and Questions are welcome.  Send to ProfitswithPajak@gmail.com Episode Links: Apple Podcast Listeners- Copy and paste the links below into your browser. Upcoming Events: Get your Equip Expo 2025 tickets NOW with promo code PAJAK for only $12.50 https://plus.mcievents.com/equipexpo2025?RefId=PAJAK LCR Summit: October 19th and 20th in Louisville, Kentucky The Playbook for Success in Your Business and Life! https://www.lcrmedianetwork.com/   Show Partners: Yardbook Simplify your business and be more profitable.  Please visit www.Yardbook.com  Get 30 days of Premium Business level of Yardbook for FREE with promo code PAJAK Relay Relay is small business banking that puts you in complete control of what you're earning, spending and saving. Click here to sign up for Relay and get $50.00 cash bonus!http://join.relayfi.com/promo/get-50-ulumkswykjzwi4dqsm?referralcode=profitswithpajak&utm_source=influencer&utm_medium=podcast  Mr. Producer Click the link to connect with Thee Best Podcast Producer in the biz! https://www.instagram.com/mrproducerusa/ Green Frog Web Design Get your first month for only $1 when you use code, PAJAK , and have your website LIVE in 3 weeks from projected start date or it's FREE for a year. https://www.greenfrogwebdesign.com/johnpajak My Service Area “Qualify Leads Based on Your Profitable Service Area.” Click on this link for an exclusive offer for being a “Profits with Pajak” listener. https://myservicearea.com/pajak Training and Courses Budgets, Breakevens, and Bottom Lines™ Workshop John Pajak's exclusive system is designed to help you avoid common failures and achieve your business' financial goals to be profitable and scale your business. https://www.johnpajak.com/offers/qvgvV8m3/checkout   Yardbook Training Workshops Learn one-on-one with John Pajak to use Yardbook like a pro to streamline your business and make more money! https://www.johnpajak.com/offers/aJ9YX7aB/checkout

Welcome to this enlightening meditation dedicated to fostering financial freedom and self-sufficiency as you immerse yourself in the twilight stage, those precious moments preceding slumber. In this peaceful interval, you are poised to effortlessly craft your intentions, visualize, and manifest an expansive sense of financial security and autonomy. Unwind now with our positive sleep affirmations podcast. Our soothing affirmations relax the mind and prepare the body for rest. Hit play, and drift into Good Sleep... Listen to more positive sleep affirmations by subscribing to the audio podcast in your favorite podcast app:  Apple Podcasts: https://podcasts.apple.com/us/podcast/good-sleep-positive-affirmations/id1704608129 Spotify: https://open.spotify.com/show/3OuJvYoprqh7nPK44ZsdKE And start your morning with Optimal Living Daily! Apple Podcasts: https://podcasts.apple.com/us/podcast/optimal-living-daily-mental-health-motivation/id1067688314 Spotify: https://open.spotify.com/show/1hygb4nGhNhlLn4pBnN00j?si=ca60dcfd758b44b4 Learn more about your ad choices. Visit megaphone.fm/adchoices

What legal actions can creditors take if you stop paying your debts? From collection calls to lawsuits and wage garnishments, Licensed Insolvency Trustees explain the real timeline of creditor actions—including how the CRA (Canada Revenue Agency) collects without going to court, and how to avoid scams when seeking help. ✅ Know your rights✅ Understand the legal process✅ Learn when (and how) to take action with confidence 00:00 – Can You Go to Jail for Not Paying Debt in Canada? 03:00 – When Do Creditors Start Calling After Missed Payments? 06:45 – When Can Creditors Start Legal Action Against You? 09:40 – Understanding the Statute of Limitations on Debt in Canada 12:20 – Debt Collections vs. Debt Buyers: Why Debts Are Sold 16:00 – How to Know If You're Actually Being Sued 17:00 – Superior Court vs. Small Claims Court: What If You Ignore It? 20:00 – CRA Collection Powers: Wage Garnishment Without Court 24:00 – Court-Ordered Support Payments (e.g., Child or Spousal Support) 26:00 – Practical Tips for Dealing with Debt Collectors 27:30 – What to Do If You're Facing a Wage Garnishment 29:00 – Avoiding Debt Relief Scams: Why You Need a Licensed Insolvency Trustee How To Find Legitimate Debt Help in Canada Legal Actions Creditors Can Take When You Don't Pay Hoyes Michalos YouTube: Will a Debt Collector Sue Me? Sign Up For The Debt Free Digest (A monthly financial-motivation newsletter to your inbox!) Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Welcome to this enlightening meditation dedicated to fostering financial freedom and self-sufficiency as you immerse yourself in the twilight stage, those precious moments preceding slumber. In this peaceful interval, you are poised to effortlessly craft your intentions, visualize, and manifest an expansive sense of financial security and autonomy. Unwind now with our positive sleep affirmations podcast. Our soothing affirmations relax the mind and prepare the body for rest. Hit play, and drift into Good Sleep... Listen to more positive sleep affirmations by subscribing to the audio podcast in your favorite podcast app:  Apple Podcasts: https://podcasts.apple.com/us/podcast/good-sleep-positive-affirmations/id1704608129 Spotify: https://open.spotify.com/show/3OuJvYoprqh7nPK44ZsdKE And start your morning with Optimal Living Daily! Apple Podcasts: https://podcasts.apple.com/us/podcast/optimal-living-daily-mental-health-motivation/id1067688314 Spotify: https://open.spotify.com/show/1hygb4nGhNhlLn4pBnN00j?si=ca60dcfd758b44b4 Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to send your student to college without going into debt? Join me for the second part of my conversation with Shellee Howard on how to make college more affordable and accessible for your family.   Shellee is the founder and CEO of College Ready and a certified independent college strategist. She specializes in helping families navigate the complex world of college admissions and funding.   In part two of our conversation, we discuss: The critical steps to take if you're starting the college prep process late Key factors colleges consider in applications and how to enhance them The importance of community service, leadership, and extracurricular activities How to identify the right colleges based on fit and financial considerations Tips for effectively negotiating financial aid and scholarships effectively   Tune in now to gain the knowledge you need to help your child succeed in their college journey! If you missed part one, be sure to listen to that episode before diving into this one.   And as a special gift, Shellee is offering a complimentary 30-minute consultation for listeners who want to assess their child's college readiness. You can grab that opportunity at collegereadyplan.info.   Connect with Shellee: College Ready's website: https://collegereadyplan.com/  College Ready's Instagram: https://www.instagram.com/collegereadyplan/    Shellee's Podcast: Parents: Is Your Teen College Ready?   Shellee's Books on Amazon: How to Send Your Child to College Without Losing Your Mind or Your Money The College Admissions Plan Simplified  

Snag Our Simplified Budget System!Budget Besties, buckle up! Today, we're inviting you behind the scenes of our private coaching calls to dish out the real-life budget wins, tough decisions, and "wait, should I buy a zebra?" moments from our amazing clients. If they're going through it, chances are you are too — so let's break it all down together.From surprise escrow refunds and dream farms (complete with cows, chickens, and yes... zebra requests

Credit cards can be a game-changer for your finances—or a slippery slope into debt. In this encore episode, we take an in-depth look at the pros and cons of credit card usage. From rewards points and cashback perks to the risks of high-interest debt and overspending, we break down when using a credit card helps and when it harms. If you've ever wondered, “Should I use a credit card or not?” this episode is for you. Tune in to learn how to make intentional financial decisions and decide if swiping is the right choice for you.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung    

Would you leave a stable job, live in a school bus, and launch a business on your honeymoon? That's exactly what Phil Risher did. In this in-person episode of The Root of All Success, Jason Duncan sits down with the founder of Phlash Consulting to uncover how he went from paying off $30K in student loans to building a 7-figure marketing agency serving home service businesses—all within a few years. Phil breaks down how solving a single local business's problem sparked an entire company, the lead management mistakes most owners make, and how systematizing marketing helped multiple clients scale and exit. If you're a service-based founder ready to grow fast (without burning out), this episode is packed with game-changing insights.

Real estate investing, financial freedom, and passive income — this IT professional shares how he built a real estate portfolio from scratch using data, strategy, and a mindset shift. In this episode of the Real Wealth Show, Tim explains how he transitioned from traditional financial planning to real estate investing across Memphis, Kansas City, and Florida. Learn how he scaled from his first out-of-state rental to a balanced portfolio of income and appreciation-focused properties — all while leveraging his tech background and working with a mentor. Topics Discussed: 00:33 Investor Story 04:23 Real Estate Education 07:23 Debt Free vs Real Estate Portfolio 11:13 Properties and Reserves 15:00 What Tim Would Do Differently 20:00 Cashflow Markets with Population Growth 22:19 Appreciation Properties 27:00 New Construction

Are you feeling overwhelmed by the college admissions process? Wondering how to pay for college without going into debt? You're not alone!   Shellee Howard is the founder and CEO of College Ready and a certified independent college strategist. With her extensive experience and firsthand knowledge, Shellee shares invaluable insights on navigating the college admissions process and securing a debt-free education for your children.   In the first part of our conversation, we dive into:   Shellee's journey and how her son's aspirations led her to become a college consultant   The importance of starting the college conversation early and understanding your child's unique gifts and talents   Common mistakes families make during the college admissions process and how to avoid them   The reality of scholarships and financial aid, including how to maximize funding opportunities   Tips for parents on how to support their children in making informed decisions about their future   If you're a parent of a middle school or high school student, this episode is filled with actionable advice and inspiration.   Be sure to listen to both parts of this two-part series, and stay tuned for a special gift from Shellee at the end of part two!   Connect with Shellee: College Ready's website: https://collegereadyplan.com/  College Ready's Instagram: https://www.instagram.com/collegereadyplan/    Shellee's Podcast: Parents: Is Your Teen College Ready?   Shellee's Books on Amazon: How to Send Your Child to College Without Losing Your Mind or Your Money The College Admissions Plan Simplified   ✨ Join my Mompreneur Glow Up email list. It's your go-to source for all things life, leadHERship, and mindset.  

This week we are taking a much needed break from new episodes. One year ago today we were on our way to take our dream vacation in South Africa. Check out how we made the decision to spend the money and hear our honest opinions about if it was worth the hype. Thank you for being a part of our For Better AND Worth community. We plan to be back with new content soon!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

#389 In this final episode of our three-part series with financial expert Adam Carroll, we're exploring innovative strategies for achieving financial freedom. Carroll introduces us to his groundbreaking "SHRED method," a system designed to accelerate the payoff of mortgages and high-interest debt using bank systems and home equity lines of credit (HELOC) effectively. He stresses the importance of understanding the energetics and psychology of money, alongside prudent expense management and strategic reduction of major lifetime costs like taxes and debt interest. Throughout the discussion, Carroll shares invaluable tips for wealth creation, tax minimization, and real estate investment. He emphasizes the need for disciplined spending, consistent income, and a willingness to adopt a fresh perspective on money management to succeed with the shred method. Additionally, Carroll dives into the FIRE movement (Financially Independent, Retire Early), offering guidance for individuals at different stages of their financial journey. He highlights the potential to leverage current assets and income to significantly enhance long-term financial stability and freedom. Join us as we conclude this series with a wealth of insights and practical advice for mastering your finances and building a path to lasting prosperity and freedom. (Original Air Date - 4/19/24) What we discuss with Adam: + Diving Deep into Debt, Mortgages, and the Shred Method + The Real Cost of Debt and How to Minimize It + Exploring the Shred Method: A Revolutionary Approach to Debt + Understanding the HELOC Strategy and Its Impact + Exploring Underutilized Financial Strategies + Navigating Estate Settlement and Early Retirement + The Shred Method: A Game-Changer in Debt Management + Embracing the FIRE Movement for Financial Independence + Strategies for a Comfortable Retirement + The Power of the Shred Method in Real-Life Scenarios + Final Thoughts on Financial Health and Wealth Building + Reflecting on the Journey and Future Possibilities Tune in for more with Adam in Parts 1 and 2 of this series! Links and resources from this episode: ⁠The Shred Method⁠ Use code: "MU" at checkout to save $300! Thank you, Adam! Thank you Adam for a value packed episode and for sponsoring the show! Check out ⁠Adam's Full TedX Talk⁠, and if you'd like to connect with him on Linkedin click ⁠here.⁠ For more information go to⁠⁠⁠⁠ MillionaireUniversity.com⁠⁠⁠⁠ To get access to our FREE Business Training course go to ⁠⁠⁠⁠MillionaireUniversity.com/training.⁠⁠⁠⁠ And follow us on: ⁠⁠⁠⁠Instagram⁠⁠⁠⁠ ⁠⁠⁠⁠Facebook⁠⁠⁠⁠ ⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠ ⁠⁠⁠⁠Youtube⁠⁠⁠⁠ ⁠⁠⁠⁠Twitter⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠. EXCLUSIVE NordVPN Deal ➼ ⁠⁠⁠⁠https://nordvpn.com/millionaire⁠⁠⁠⁠. Try it risk-free now with a 30-day money-back guarantee! Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠here⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey Rainmakers! Stephen here, and today we're tackling a topic that hits close to home for so many of us—debt and breaking free from its grip. In this episode, I'm joined by the incredible Jeremy Krulikowski, a debt expert, to talk about practical strategies for freeing yourself from financial strongholds. Whether you're drowning in debt or just want to make smarter financial moves, this episode is packed with actionable insights that could change everything. We kick things off by diving into some shocking stats on debt in America—credit card debt, personal loans, delinquencies, you name it. Jeremy breaks down the hard numbers, giving a real picture of the debt crisis we're facing. But here's the thing: you don't have to stay stuck. If you're in debt, you're not alone, and there's a way out. Jeremy shares his personal story of how he struggled with money anxiety after his father's passing and how his journey led him to create a system that helps people negotiate their debt—saving them up to 50% on what they owe. Jeremy's approach isn't just about cutting back—he's all about supercharging your income and finding smarter ways to handle your money. He introduces his CROSS framework for becoming debt-free, starting with negotiating your debt down (yes, it's possible to cut your credit card debt in half!). But it doesn't stop there. We also talk about addressing the root causes of financial struggles—mindset shifts, limiting beliefs, and emotional triggers that can prevent you from taking control of your finances. If you've ever felt like you were working hard but never getting ahead, this episode is for you. Jeremy's advice is straightforward, empowering, and easy to implement, so you can start building wealth, not just paying off debt. It's time to break free from financial stress and start building the life you deserve! Links for this episode: https://kingdomdebtsolutions.com/secrets?am_id=stephen953 Connect with us: ► Rainmaker Instagram: @therainmakerfamily ► Chelsey Instagram: @chels_diaz ► Stephen Instagram: @steezdiaz ► TikTok: @therainmakerfamily ► Facebook: @diazfamilylegacy ► Website: therainmakerfamily.com   Join Our Next Rainmaker Challenge - How To Make Passive Income From Home: https://therainmakerchallenge.com Save On Our Favorite Things: https://rainmakerfamily.com/deals Watch The Million Dollar Mama Case Study: https://www.makeitrainmomma.com/casestudy   Episode Minute by Minute:  0:00 - Introduction: Getting Real About Debt 1:00 - Shocking Stats on Debt in America 5:00 - Understanding Unsecured Debt and Debt Negotiation 7:30 - Breaking the Stigma Around Financial Struggles 10:00 - The Importance of Supercharging Your Income 14:00 - CROSS Framework for Getting Debt-Free 20:00 - The Power of Root Cause Healing for Financial Freedom 27:00 - Optimizing Your Money and Budgeting Smarter 33:00 - Supercharging Your Earnings Through Business and Career Growth 36:00 - Sustainable Investing: Making Your Money Work for You 38:00 - Final Thoughts and Next Steps

Making sure your child is college ready can be an overwhelming, confusing, and illusive process. How do you know if your child is college ready? What should you and your child be focusing on to ensure they are competitive and stand out throughout the admissions process? When should you even start thinking about college for your child and what are common pitfalls you need to avoid? These questions and more are the focus of this week's episode with the founder and CEO of College Ready, Shellee Howard. Shellee is a Certified Independent College Strategist and a best-selling author. She helps students gain admission to their best-fit colleges—often debt-free. Shellee has guided hundreds of students worldwide to top universities, ensuring they graduate debt-free and land jobs they love and she's on a mission to help one million families get into their dream school and graduate without debt. In this episdoe Shellee and I discuss: at what age you and your children should start preparing for college the 7 factors that contribute to your child standing out in the admissions process why the normal community service hours don't go far to make your child stand out and what they should be doing instead if college is still a worthwhile financial investment and how to ensure you get a positive ROI from your child's college investment what the "sweet spot" is for how many schools your child needs to be applying to the biggest mistakes Shellee see's students making during the admissions process (so you can avoid them) how to pay for your child's college using scholarships and the different types of scholarships available the biggest mistakes she see's parents making when applying for scholarships or financial aid the hidden costs of college that most parents fail to get prepared for If you'd like to connect with Shellee or College Ready, you can do so by using all of the links below. Enjoy!   Connect and Work with Shellee & College Ready: The College Ready Website Follow College Ready on Instagram: @collegereadyplan Buy Her Book: How To Send Your Student To College Without Losing Your Mind or Your Money Buy Her Book: The College Admissions Plan, Simplified Book a complimentary college strategy call START HERE:  FREE MASTERCLASS: Why You Impulse Shop & How To Stop Get Paige's Money Recommendations   Work with Paige: Join Overcoming Overspending HERE Use code “MLP30” at checkout to save $30 on your first month inside the program Where you can find Paige online: Website: https://www.overcomingoverspending.com  Instagram: @overcoming_overspending TikTok: @overcoming_overspending

A lot of people chase the dream of being completely debt free—but is that really the smartest move? In this episode, Kris Krohn explains why focusing only on paying off debt could actually hold you back. Living debt free might bring some peace of mind, but it won't build lasting wealth or freedom. Instead, Kris shares a better approach: creating steady residual income that works for you, even when you're not working.