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Episode: 338 - Gina's Financial Turnaround: Paying Off $58,000 in Debt

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Are you feeling the weight of financial stress in your life? Does it seem like there's no way out as hope slips further away? You're not alone. Many, like Gina, have faced these daunting feelings. However, Gina has shown that through determination and thoughtful decisions, incredible financial progress is achievable. 

 

 

Gina's Initial Struggles 

Before starting her journey, Gina was burdened by significant credit card debt. Her financial situation seemed dire, especially when a wage garnishment further complicated her finances. Like many, she lived day-to-day, uncertain of how she would meet her commitments. Constant calls from creditors added stress to her life, making her feel trapped and concerned about making ends meet. 

Finding a Path to Financial Freedom 

Gina's turning point came when she discovered a financial planner through a social media platform. This tool helped her organize her finances, setting the stage for meaningful progress. Despite having a background in accounting, Gina found managing her own money emotionally challenging due to the personal stakes involved. 

Recognizing the need for additional support, Gina joined a financial program that emphasized community support and accountability. This shift not only provided her with resources but also with the motivation to implement change. 

Key Changes and Progress 

In her journey, Gina identified crucial spending habits that required change. Upon reviewing her expenses, she realized she was spending excessively on dining out. By making this a priority, she was able to free up funds that were otherwise unnoticed as "little leaks" in her budget. 

The program encouraged examining behaviors and adopting new, healthier financial habits. By reducing impulse spending and making more mindful purchases, Gina saw her financial picture begin to change. She even made a significant decision to trade her car for a less expensive model, which dramatically reduced her monthly expenses, allowing her to reallocate those funds to debt repayment and savings. 

Emotional and Financial Shifts 

With each small debt conquered, Gina’s confidence and outlook transformed. The progress, although gradual, instilled a sense of freedom and relief. She no longer felt shackled by financial stress and could focus more on daily life without constant worry. 

Gina embraced the community aspect of her financial program, finding solace in shared experiences and mutual support. This connection validated her efforts, encouraging her to persist even during challenging times. 

Enjoying Life Within a Budget 

Today, Gina finds joy in activities she loves without financial guilt. Whether it's subscribing to entertainment services with streamlined expenses or planning for family outings, she manages her resources while cherishing those experiences fully. 

Achievements and Future Goals 

Gina has successfully cleared a substantial amount of debt and saved considerably by prioritizing her expenditures and maintaining a budget. Her journey reflects more than just financial gain—it's about achieving peace of mind and planning for a secure future. 

Looking ahead, Gina aspires to travel more and invest in her retirement, ensuring her future is as bright as the progress she has already made. 

Conclusion 

Gina's story is a powerful reminder that transforming financial despair into financial freedom is possible. By taking small, consistent steps and seeking community support, anyone can start on their path to eliminating financial stress and achieving their dreams. 

For those feeling overwhelmed, remember that the first step is often the hardest, but with perseverance, the results can be life-changing. 


 Resources Mentioned:

The 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
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TikTok - https://www.tiktok.com/@debt_free_dad
YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured

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 Transcript:

Brad Nelson:  

Hey, so are you feeling the weight of a financial stress in your life? Does it seem like there's no way out and hope is slipping away? Now, Gina knows that feeling all too well, but over the last several years, you guys, she turned things around, paying off tens of thousands of dollars and making incredible financial progress. In today's episode, Gina joins us to share her powerful journey, offering the inspiration and motivation that you need to take that very first step, even when it feels like it's impossible. You guys, stick around. You've got to listen to this journey and Gina's story. Stay tuned.

Announcer:  

You're listening to the Debt-Free Dad podcast with Brad Nelson. Brad and his co-hosts experience the anxiety of living paycheck to paycheck before learning the fundamentals of financial success. They are now on a mission to empower regular people to pay off their debt for good and enjoy happier, less stressful lives. Keep listening for inspirational interviews, tips, tricks and practical advice to gain financial freedom.

Brad Nelson:  

Hey everyone, welcome to today's show. I am Brad Nelson, the founder of Debt-Free Dad. I paid off about $45,000 of debt. I've been debt-free now for more than 12 years now. I've also been fortunate to help thousands of other people over the years save and pay off tens of millions of dollars with the work that we do here at Debt-Free Dad.

Brad Nelson:  

Now, after listening to this episode, you guys, if you are ready to take things to the next level, you're ready to break free from living paycheck to paycheck. You want to reduce financial stress in your own life. You'd love to build a savings. You'd love to finally pay off that debt for good, right, but you're just not sure where to get started. Don't worry, we've created some incredible free resources here at Debt Free Dad to help you get there, and we'll be sharing some details about how you can get started with those later on in today's episode.

Brad Nelson:  

Now, as I said, I would love to welcome Gina to the podcast. Now, gina is 51 and single. As the oldest of six siblings, she grew up on a farm in southeastern Minnesota near Rochester. These days, she still calls Rochester home, where she lives with her two beloved cats, bella and Bernie, and Gina works as an accountant analyst at a local manufacturing company. In her spare time, she enjoys hanging out with family and friends, diving into a good book, watching TV and movies, listening to music and exploring her passion for genealogy research. All right, well, hey, gina, welcome to the Deaf Free Dad podcast, or I should say welcome back.

Brad Nelson:  

You were on our show several years ago sharing your first year journey, and now it's been a few years since then and I'm excited to have you back. Thank you, I'm looking forward to it For our listeners because if you haven't listened, this was many episodes ago. We had you on and at that time in your first year, you had saved and paid off. I think it was like right around $30,000 or a little bit more. Incredible progress. But can you share with our listeners? Before you joined Roots, before you got started with Debt Free Dad, what were some of the things in your life that you were struggling with when it came to your finances?

Gina:  

I think the biggest thing was I had a lot of well and I still do. I still have a lot of credit card debt that I kept continuously, you know, not really paying off anything, just kept kind of rolling through it. The thing that instigated me getting into Roots was I had a garnishment that came up from an old past due collection effort and it really put a kink in my finances and everything got behind and I was struggling to try and figure out what to do and it just happened that I saw the planner on Facebook at the time and I thought, well, that'll be a good way for me to get organized.

Brad Nelson:  

Yeah. So I would guess you were probably like me and a lot of other people where you know you're just kind of living day to day, just getting by, and then all of a sudden, like you said, this wage garnishment hits and it's like this house of cards begins to fall right. So that's kind of where you are. Can you share emotionally, how are you feeling about your finances? I'm just doing stressed. I mean, can you give us some insight about what was life like for Gina back then?

Gina:  

Before the garnishment happened, I was just always worried about if I was going to make it to the next payday, where the money was going to come from, if I had enough to pay all my bills and I did always pay my main bills all the time because I knew I needed them to live yeah but I always had collect credit card companies calling asking for money.

Gina:  

You know it was really stressful. And then the garnishment happened and it just amplified that like 10 times because now I didn't have that extra income every month and I really couldn't pay. I could barely pay what I needed on a, you know, day to day basis for just living.

Brad Nelson:  

Yeah, yeah, it's interesting, as all of us have experienced this, myself included. As you described this like I can feel in my own experience those feelings that you're talking about right now and man, it is just so heavy on you and man, I remember in my situation, just not being able to sleep. It was the first thing I'd worry about when I wake up. I get to work and I worry about it, my drive, I'm worrying about it. It's just hard to even be fully present in life because it's just this constant stress all the time, and money is just involved with so many areas of your life. It's just hard to escape any of that. Right, yeah, but as you mentioned, you ended up finding our Debt Freedom Planner. You made that investment and you started using that. Can you share how that helped you get started with some of this stuff, or what was most helpful there?

Gina:  

I think the biggest thing looking at the planner was just seeing how the budget was set up to focus on the essential stuff and how it prioritized things. I did struggle with trying to set up my first budget and I think at the back of the planner there was a spiel about roots. I'm like I need help, I need some kind of support. I'm an accountant by degree so I know numbers, but when it's my own stuff it's harder to deal with and I just knew I was going to need the support.

Brad Nelson:  

Yeah, and I'm glad you brought that up because you say there's a difference. Because you are an accountant, you work with numbers all the time. But why do you personally feel there's a difference between doing other people's numbers or other businesses' numbers versus doing your own? What do you feel is the challenge there? And the reason I want you to talk about this a little bit is because there is somewhat of an emotional I shouldn't say somewhat a big emotional part of money that a lot of us don't always recognize and we think we just focus on the math. And here you are, you do this for a living and you're still struggling on the personal side. Can you share a little bit about what was harder for you there?

Gina:  

It's exactly what you said. It's the emotional part of it. It's what you said. It's the emotional part of it. It's how are you going to get by day to day? How are you going to make ends meet? You have limited funds. I work for a company way greater than what I would have ability to, and I don't need to worry about where that's coming from, unlike my own. So it's definitely the emotional side that makes it harder for me to do my own stuff.

Brad Nelson:  

Yeah yeah, and when you mentioned you saw Roots, you mentioned a key word there. I needed the support and so many people are looking for it. Because people will say, brad, I generally know what to do, or I've been a part of some of your free workshops, or I have your planner, I listen to your podcast. I generally have an idea of what I'm supposed to do, but a lot of us have a hard time putting it all together. Right, you decided to join us in Roots and so can you share.

Brad Nelson:  

Early on, like I said, in your first year, you crushed it. I want you to share a little bit what you did in that first year. But what things do you feel? Because there's people listening to this, probably in your same situation or similar. They're stressed, they're emotional, wondering how they're going to make next month's bills, and they're probably saying like, well, if Gina can do this, how can I do this? So can you share with them, like what were the key things that you feel that once you started in Roots that made the biggest difference for you and really starting to gain some traction?

Gina:  

Well, there was two things that in Roots that you asked us to do in the beginning, and the one is to go back through your expenses for six to 12 months, three to six months, whatever. I think I did six months and it was such a big shocker to me that I spent so much money on eating out, and that was probably the biggest thing is how much money I spent eating out and picking up things here and there and not really making a plan for it. So that was one of the first things I really cut back on to help with my money was making a point to have groceries and make food and eat out and not grab breakfast on the way to work, and it really helped that initial couple months when I was still struggling going through the garnishment part. It helped free up a lot of money that I didn't even realize I was spending.

Brad Nelson:  

Yeah, Well, I think it shows how that emotion can really influence your spending habits.

Brad Nelson:  

Food is such an easy thing to emotionally spend because it's everywhere, right, I'm guilty for it too, and when you're stressed, it can be such a weakness point for so many people. I love that you obviously went through it and looked at your expenses, and I think this is the other part. That's hard, because this is more than money you mentioned. I had to make some different choices when it came to eating out. I had to go grocery shopping. I connected to personal finance, but it isn't personal finance. Going through those habits obviously hard at first, right, I mean, it's hard work when you're getting started.

Gina:  

Yeah, that was the other thing in the beginning of Roots that really helped me was the behavior module and learning your choices and behaviors and all that stuff goes into your finances. I did learn a lot that I have a very and I still struggle to this day on impulse spending. I see something I'm like, oh, that would be great, and then you know I would go out and get it even though I'd probably really didn't need it. Actually, as I've been moving here lately, I've found a lot of things that I bought on impulse and I don't even use them. The whole behavior module really helped me focus on waiting to see if I needed stuff, not indulging in those impulse spending items all the time and really making sure I actually did need it or I didn't have something else at home that I could use, and I just didn't realize it.

Brad Nelson:  

Yeah, you bring up. A good point is that we're human, like you said, you moved, like moving is, so it's one of the. I hate it. I can't stand moving and, by the way, if I find someone that loves moving, maybe it's moving companies that love it. I don't know. But I can't stand moving. And, yeah, you're right, you're tired, you're exhausted, like the last thing you want to do is worry about meal prepping eating at home Like, yeah, I'm probably going to eat more out.

Brad Nelson:  

Or you know, like you said, have those weakness moments where you see something, you buy it. And I think you bring the reality to this whole journey is that it's not going to be perfect along the way. You've had a lot of those ups and downs throughout your journey, but yet you still have made some pretty amazing progress. Now you mentioned you cut some of these things out, like eating out and, like you said, you're trying to watch the impulsive and wasteful spending. Yeah, that really helped you get rid of this wage garnishment. So can you talk about when you started to really look at your expenses, change the way you were spending your money, and now you had this money to use, what did you start doing with it? We talk about, obviously, the importance of emergency funds, using the debt snowball. Can you talk, through your strategy, of what you did through this?

Gina:  

I did get my emergency fund built up at first, and then I started working on paying off my debts with the debt snowball like we talk about, got the first couple little bills, credit cards or little payments out of the way. That really helps motivate you to keep going. And then, of course, stuff happened and I had to use my emergency fund. So then it was rebuilding that and trying to keep up with everything. And so then it was rebuilding that and trying to keep up with everything, and it's a process. One of the things I did do I don't think it was my first year, but in the second year maybe I traded in my newer car that I had and downgraded to a less expensive car that lowered my payment and shortened the term of my loan.

Gina:  

That lowered my payment and shortened the term of my loan so that freed up $150 a month, just by switching out my vehicles, and still I think it's been three years now, I don't remember it. All blurs together. Yeah. Just having that extra money every month that I could put towards groceries or paying off the debt or whatever was happening at the time, was big help.

Brad Nelson:  

Yeah, can you talk about your emotion then? At that point you mentioned when you got those quick win or building that first emergency fund, paying down some of those small credit cards. It motivated you. At that point did your mindset start to shift Like I could do this?

Gina:  

Yeah, it took probably I want to say it was like six months before I really got to start paying off my first credit card. But I'm like, oh my God, I don't have to pay this extra payment every month and I can now put it on this one. It's very green. But it's like, okay, this is working. What can I do next? And then, a few months later, that's when we and I think it stemmed from like your story where you got a different car to help out I'm like, well, can't really quite do the whole, just pay cash for a different car, but I was able to make a change that benefited me. So all these little wins and then the car thing really helped me get to a point where I could start making some progress.

Brad Nelson:  

Yeah, and I love that you bring up the car and not because I man, I talk about the cars all the time and I love that you bring up the car.

Gina:  

And not because I, man, I talk about the cars all the time. I really do. It's just oh, cars, man.

Brad Nelson:  

I hear it in the podcast a lot, some different things, yes, and I feel like so many people have this anchor bias towards their old habits or the old ways of thinking and I did too. I mean, it's human, it's just a human psychological thing that we do. It's not your fault, it's just how we're built or programmed.

Brad Nelson:  

But, I think what I love about your journey, though, is that you brought yourself into this group, this support group and community here in Roots, and you were hearing these ideas and you were willing to actually, you know, try some of those things, and, as listeners are listening to this, I really want you to think about that and what are some things that you're willing to do, because sometimes we can shut our minds off so much and say I won't do this, I can't do that, I'm not willing to try that, and we focus on everything we can't do or won't do instead and focus on what are the options. And you said I can't pay cash for a car, but I could do this, and it opened the door to making progress reducing your debt, reducing the term, probably saving you money and interest, and opening up more cash flow to attack the other debt you had. I mean, that is a huge win.

Gina:  

That is awesome. Yeah, it really was kind of the first big thing that I changed. That helped focus on things. And there was other little things I did along the way that either read on in the Roots community or heard from a podcast and just different things to try and even to this day, I stopped going to get my hair colored. It saves me $200 a year from having to do it and I just go get my hair trimmed now whenever I feel like I need it, so I'm not consistently going every three, four months, whatever I was going at the time.

Gina:  

It saves me a ton of money and it doesn't phase me one bit anymore. It doesn't bother me.

Brad Nelson:  

I love that you said little things, because the little things they add up so much it's not always the big things. Yes, car payments can be paycheck killers and there are some bigger things out there but it can be sometimes that death by a thousand cuts, and I love that. You said that you've tried all these little things and it's just made this world of difference. So can you share real quick? I want you to share your total numbers so far. Now. You've been in Roots, if I'm not mistaken, a little over. It's like about three years, right? Yeah, yeah, so a little over three years. Can you share what you've saved and paid off since getting started?

Gina:  

I've paid off approximately $58,000 now. It's incredible as far as saved. I'm sure it's way more than that. I've saved on some of my subscriptions. I've rebuilt my emergency fund numerous times. I haven't had to. For the most part I haven't added any additional credit card debt since I started. There's been a few times here and there where I've slipped up, but it's not been like it would have been in the past. So it's saved me a lot of stress, not just money-wise but just financial. You know, money wise but stress wise. I think that's my probably my biggest saving is just how emotionally less stressful it is having a plan.

Brad Nelson:  

Yeah, so it's safe to say you have saved and paid off well over $60,000 in the last three years on a single income, yep, and you just said like you just have so much less stress, you can breathe now, right.

Gina:  

Oh yeah, definitely. It's pretty amazing. It makes things so much easier when things happen.

Brad Nelson:  

Yeah.

Gina:  

You know I have a plan. I have an emergency fund to fall back on. I can shift things around. I can cut back on something for a month or two to make something else happen, for a month or two to make something else happen. It's just nice to know where I sit with my finances so I can make those adjustments and I don't have to stress out about things that happen.

Brad Nelson:  

So you mentioned, you went through and made some cuts, made some adjustments, some big, some small. What things are you still enjoying? Because when I was living paycheck to paycheck, if I spent any kind of money, especially if I went into debt for it, it was just this constant source of guilt. You never really truly enjoyed anything you ever did, because you were always so broke you thought you were doing it to make yourself feel better but then all of a sudden it's like you had this guilt and shame around it because you knew you shouldn't do it, because it's like you're broke. Now you have this amazing plan. You've saved and paid off I mean well over 60 grand in three years. How are purchases different? Now? I know you mentioned that you slip up from time to time, which is normal, but, like when things are planned for, are you enjoying those things a lot more? Are you finding you're enjoying going out and doing the things that you plan for and are doing with your budget?

Gina:  

I'm a big, I do a lot of TV and movie watching, so I have a number of subscriptions that I have. But, as part of my plan, I cut those back to include commercials instead of paying the non-commercial price.

Gina:  

So for about 20 bucks a month, I get all the streaming services I want, which is good, and that's what I enjoy. I want which is good and that's what I enjoy. I still plan and go have dinners with my sisters or do something special for my parents, or even just traveling to visit. I have it all budgeted so I can still enjoy those things and not have to worry about how I'm going to get there, only have to mean to order something little because I don't have money for what I would want to eat. So it's just incredibly relaxing to be able to plan those fun things and do what I want to do.

Brad Nelson:  

Yeah, so when you look at those numbers and saving and paying off that again over $60,000, I mean, can you believe it Is? Is it reality to you? Like I actually did this, this is amazing, right.

Gina:  

It's. It's crazy to think about. When I look at what I've got left, I'm probably almost 50% of the way there. Yeah, so I still have a ways to go. But even in just three years when I first started, I never would have thought I would have made it this far as quickly as I did. Three years may seem like a long time, but it goes super fast and the progress I've made has been amazing.

Brad Nelson:  

Yeah, I think the one thing I will say is that you've worked really, really hard. I would say and I've said this for a while now in our live meetups. I would say, if there's one thing that I can think of when I think of the word consistent, it's your name. I mean, obviously, we have other members who are very similar, but you've shown up and I think that's one thing that people need to understand is that, whether you join Roots or not, no matter what you do, getting out of debt is not easy. It is hard work and you got to make a huge commitment. It is hard work and you got to make a huge commitment. I want to really honor you in that way is that Gina has just made this incredible commitment to her own life and to her own personal finances. Yeah, she joined this program. Yes, we showed her what to do, but you have shown up and the stuff that we've given you, it works, but it only works if you take it and actually put it to work, and you've done that.

Brad Nelson:  

And it's just been incredible to be able to be a part and watch your journey over the last several years. It's just, it's been a lot of fun. It's been really just a privilege for all of us to see it. Now, you mentioned one of the things that you desperately need when you, when we first started talking today, is that support was something you desperately knew you needed, and obviously that's a big part of what we do here at Deaf Free Dad and in Brutes is really not necessarily just the education, but it's the support and accountability to stick with you, because the journey's long, it's not easy, and we're going to be here with you every step of the way. Can you share how much that's made a difference for you and where you are today?

Gina:  

Oh, definitely it's. This community is so um so important because I can do all this stuff myself, but it's nice to get that support, know that there's other people out there struggling with the same not necessarily exactly the same as me, but just struggling with their finances. And being able to listen to the other podcasts and the different stories and go through the reiteration of these steps and routes on the live meetups, it just reinforces everything I've been doing and just keeps me on track. I know when I get busy and I don't get to the live meetups, I know as soon as I get back, I'm like oh yes, I need to hear this again, and it just it keeps me going because it's it's just a reminder that, yeah, I've been doing this, I can keep doing it, and all these people are still, you know, here to help support me whenever I need it, and it really goes a long way.

Brad Nelson:  

Yeah, it's awesome and you're right, and we do the meetups. You know, obviously myself or Amber do them, but there's times that I need them too Right, because, again, we're all human and it's so easy just to let negative thinking whatever's going on in the world, all the noise like suck you in to this, to this idea of how money really works, and sometimes you drift and you lose sight of what really is important, and I love that you recognize that. Another thing that we talk about real big, and my last question for you is we talk a lot about like wire purpose. And here you are in a little over three years saving paid off well over $60,000. What is your wire purpose Like? What do you see for yourself at the end of this journey? What are you really striving for? I'm putting in this work because I want this eventually.

Gina:  

Yeah, I would really like to be able to travel more.

Brad Nelson:  

Yeah.

Gina:  

I don't, and for the last few years I haven't really done much for vacations, except, you know, close by stuff just because, well, one funds weren't available and it's hard to make plans when you don't really have enough room on a credit card to do it.

Brad Nelson:  

Right.

Gina:  

So I'd like to be able to travel more, and then I also want to get to the point where I can put more money into my retirement. I am in my 50s now, so it will be here before I know it, and I want to be prepared so that when I'm older, I have the funds I need to live and I can do the stuff I want to do. Yeah, the funds I need to live and I can do the stuff.

Brad Nelson:  

I want to do. Yeah, well, you're definitely getting yourself set up by really getting rid of all this debt.

Brad Nelson:  

And again, I would just want to say number one thanks for coming back on and sharing your journey, going through this and publicly sharing what we've done wrong and sometimes not very easy. And I know, though, with your story, you're going to inspire a lot of other people out there that are feeling the same way that you were to get started, to start taking those actions, to know that the little things count. And I love that you were honest and saying I've still messed up. I'm still not always perfect, and you're right, none of us are but the point is, if you commit to it every day, you can make some amazing, amazing progress. So I just want to say I'm proud of you. You've come so far. Like I said earlier, it's been honestly just so much fun to watch you since day one, and it's just been exciting. I can't wait to see what the next year brings. Right, me too. All right, gina. Thanks so much for being here today. Thank you All right guys.

Brad Nelson:  

If you are ready to break free from living paycheck to paycheck, just like you heard Gina was able to do. You want to reduce financial stress in your own life. You want to build savings and finally pay off your debt for good, but again, you're not sure where exactly to get started. Don't worry, we've got you covered. Simplify my Money is sent to you each Sunday to your email Now. Simplify my Money is a step-by-step roadmap to better financial control so you can learn easy-to-follow strategies to manage your money effectively. It's stress-free money decision-making that's also gonna help you simplify your financial life with proven tips that work, and you're gonna gain the tools and confidence to tackle your financial goals head-on.

Announcer:  

Sign up for Simplify my Money by clicking the link at the top of the show notes.

Brad Nelson:  

All right, guys, that's how it means. It's time for the celebrations of the show, and today we are kicking off with Brenda. Brenda says I paid a bill today in full. I thought to myself wow, I couldn't have done that before. Yet, with being in debt-free debt and the Roots program and following the program, I didn't have to wait until payday Before. I would have feared I didn't have enough money in the bank.

Brad Nelson:  

Brenda, you've been working so, so hard, paying off tens of thousands of dollars. That hard work is paying off with stress-free living. Awesome, awesome place to be. Good for you, misty.

Brad Nelson:  

Misty says I reviewed our budget and realized that all of the auto repairs this month were paid for with cash and we had extra money in that envelope. Put that money towards paying off a personal loan from a family member. Missy, awesome wins this week. Congratulations you guys. And last but not least is Holly. Holly says I am just starting my snowball and paid my first $150 towards my smallest credit card. Holly, I know that feels good. You're just getting started, but let's go and get that momentum going. Awesome job, hey. As always you guys. Congratulations to all of you guys who are taking a stand for your financial life and you're wanting better. Hey, we get that. Getting out of debt it's not easy, but with our help and with your consistency and discipline, we promise you guys, this will be some of the best work you do in your entire life. Thanks for joining us on today's episode and we will see you, guys, next week.

Announcer:  

Thanks for listening to the Debt-Free Dad podcast. Connect with us on Facebook, tiktok, youtube and Instagram. Just search Debt-Free Dad. If you found value in today's episode, please leave us a rating and review. We so appreciate it For resources, show notes and links mentioned in today's show. Visit DebtFreeDadcom. Catch you next week.