$52,000 of debt.
Paid off in 18 months.
Not a book. Not another blog post. This is the specific, sequenced plan Deacon and Kim Hayes followed step by step to go from drowning in consumer debt to completely debt-free. Now it’s broken into four sessions you can start today.
The Payoff Curve
18 MONTHS · $52,000 → $0
Debt snowball method, applied consistently
“We both worked hard, had good jobs. How could we be underwater every month?”
Deacon and Kim had just gotten married. A new Nissan, two condos, Kim’s career taking off. From the outside, it looked like they were exactly where they wanted to be.
Then Deacon sat down with the actual numbers. Between the car, the credit cards, and combined student loans, they were carrying nearly $52,000 in consumer debt, and spending more than they brought in every single month.
So they went looking for a different way to do money. Books, a personal finance class, conversations with people who’d actually gotten it right. What they found ran opposite to almost everything they’d assumed about managing money, and once they applied it, the debt started disappearing fast.
Debt-free changes what’s possible.
Four sessions. Followed in order.
Developing a Financial Game Plan
Build a realistic plan around your actual numbers, so you know with confidence exactly how to move forward instead of guessing.
How to Pay Off Your Debt Fast
Structure your debt the right way so you can pay it off quickly and get to peace of mind sooner rather than later.
How to Drastically Reduce Your Expenses
Find where your money is quietly leaking out and cut it, so more of every paycheck goes toward getting free.
How to Increase Your Income
Real, practical ways to bring in more money so your payoff timeline speeds up instead of stalling out.
Everything you need is already built.
Financial Gameplan
An editable spreadsheet that puts your entire financial picture in one place, with every field calculating automatically.
Debt Snowball Tracker
Built to work with your Financial Gameplan, showing exactly how many months until each debt, and all of it, is gone.
Money Tools
The exact tools Deacon and Kim still use today to manage money, saving you the trial and error of finding them yourself.
Start with the same plan that got us to zero.
Four sessions, two spreadsheets, and the tools we still use today, priced so anyone can start today.