The First rule to get out of debt is to stop borrowing money and taking on new debts.

We will teach you how to give every dollar a purpose, telling it where it is going, instead of wondering what happened to it and where did it all go.

78% of Americans are living paycheck to paycheck. 56% say they don’t have enough in savings to afford a $1,000 emergency.

The national average salary is estimated to be $63,795, which is the sum of all incomes divided by the number of workers in the U.S.  

The median household income in the U.S. is approximately $75,000, meaning half of Americans who are working, earn less than this amount. 

We have been taught that you need debt to get ahead. That without debt you won’t get a worthy credit score and you need a credit score so you can borrow more money to keep you in debt.

Average credit card debt in America is $6,501 and the overall total in America hitting $1.13 trillion with an average interest rate of 22.3%.

Your credit score is the relationship that you have with debt, that’s it. It is not about how you handle your money or if your good with money or like me for years, not so good with money.

The average car payment is $734 for new vehicles and $525 for used vehicles.

Average student loan debt per borrower is $38,883, with monthly payment of $393. The overall student loan debt in America is $1.77 trillion.

You don’t need to be a math wizard or have a degree in accounting or statistics. You do need to track your expenses and we will show you how to do the rest.

You need to face your reality and the person you are every day. The concepts we teach are not hard, but it can be difficult because it is behavior modification that is needed to successfully find your path to financial peace and freedom.

“Progress not Perfection” is one of our mottos here and you will not find judgement or scrutiny. Just a path to get you out of debt and on track to money management.