Find your number.
Every plan to get out of debt runs on one number: what’s actually left over each month after everything gets paid. Most people can tell you their take-home pay to the dollar and guess at the rest. The guess is where plans go wrong, so we start by counting it. Then you see your end date.
Step one
Count your free cash flow.
Think about what a payoff date is made of. Your balances and rates are already set; the bank did that. The only part you control is how much you send above the required payment each month, and that money has to come from somewhere real. If the number you plan on is a few hundred dollars high, the plan is off from the first month and gets worse from there.
As far as we can tell, nobody else in this business helps you count that number. Every calculator asks you to type it in and takes your guess as fact. Ours counts it, the way you actually live: this car, the kids, the house. It’s free, nothing is saved, and it’s useful whether you carry debt or not, because what’s left over each month is the number every financial decision runs on.
Step two
See your end date.
Bring your number and we’ll put it to work in one conversation: your end date on the current path, then under each realistic plan, ranked. There’s no charge to see any of it and no obligation once you have. The number you found is an estimate, and a date is only as good as what goes into it, which is why we’d rather check it with you before you build anything on it.
Prefer to run the math yourself first? The planner we use is open to you. You’ll leave DebtRetired for Debt Done Date, the planning platform behind every plan we build, and anything you save there is kept under your name so we can pick up where you left off.
What happens when you book
The conversation.
We gather your actual numbers together: income, bills, balances, rates. No homework beyond what’s in your statements, and no credit pull. If you’ve already used the Free Cash Flow Finder, bring your number. If not, we’ll find it together.
The reveal.
You see your end date on your current path. Then you see it under each realistic plan, ranked. Most families have never seen either one. This is where the decision gets easy, in one direction or the other.
Your decision.
Work the plan with a coach, take what you’ve learned and run it yourself, or decide the timing isn’t right. All three are acceptable answers, and you’ll know which one is yours by the end.
If we work together
Two things go on the calendar at your first session. The first is a celebration, scheduled for the day your plan says the consumer debt is gone. That sounds premature. It’s deliberate: a date you can see is a date you can work toward, and we intend for you to keep it.
The second is a quarterly review, where we re-read reality together. Raises, repairs, surprises. The plan bends so it doesn’t break, and your date stays honest.
The right fit
A word before you book, because it’s better said here than discovered later. No structure gets anyone out of debt, and neither does a product, a software package, or a clever order of payments. Behavior does, and a plan is just behavior with a map. If you’ll do the work, the math is on your side, and we can prove it. If you won’t, no plan we build will survive contact with your checking account, and we’d rather tell you that than take your money.
That honesty runs both ways. If the conversation shows you don’t need coaching, or the timing isn’t right, we’ll say so plainly, and you’ll still leave with your numbers and a free copy of Paying Off Debt Faster, a book good enough that some people won’t need us after reading it. Debt on your terms is the whole idea, and sometimes your terms are: not yet.
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