I originally released my book “Debt Free or Die Trying” in 2016.

The revised book is better organized (thanks to my editor), contains 40-pages of new material, three completely new chapters, and my 4-step road map to improve your credit score while reaching D.E.B.T Freedom.

  • D-define the problem
  • E-establish a re-payment plan
  • B-build a budget
  • T-trust the process

Additional improvements include specific Calls to Action summarizing the key takeaways and lessons from each chapter. Basically, the new book lays out a proven system you can follow to become debt-free.

Rappers Give Horrible Financial Advice

As a speaker, I got an early start promoting my new book during a talk at Google (shoutout to the Black Googler Network!). In this particular talk, I spoke on budgeting, investing, saving, and personal finances from the Millennial perspective. The main purpose of these Google Financial Events was to educate members on financial wellness. I reflected on my nearly four decades of money musings, and I realized there were two key takeaways:

  1. Rappers Give Horrible Financial Advice.
  2. The key to “overnight success” is the first 10 years.

From there, I covered what I wish I knew across each decade of my money-life in my 20s, 30s, and 40s. You can watch the video in the above player or directly on Youtube here.


Get Rich Slowly

J.D. Roth of GetRichSlowly.org was kind enough to provide the foreword. Few people know that about a half-decade ago, J.D. was my assigned book mentor. I’m sure he has regretted this ever since, because I hit him up for insights and favors about every quarter. Generously, he always agrees. I may be debt-free, but I will always be indebted to him.

A preview of his foreword from the #1 selling book on Amazon Kindle, D.E.B.T. Free or Die Trying.

I spent my twenties paying interest. And my thirties.

For two decades, I was mired in consumer debt: credit cards, car loans, computer loans, home-equity loans, a loan from my wife — even a loan from my wife’s grandmother! I was miserable with money and money was miserable to me.

Oh, how I wish I’d had a book like this thirty years ago. Instead, I stumbled in the dark seeking answers. I didn’t find any.

You’re more fortunate than I was. You do have this book. Here you’ll find the answers you need to get out of debt — and stay out of debt.


Author, Speaker, Entrepreneur

The future is uncertain. History is not a predictor of the future but it is a leading indicator. While I remain unclear exactly how I’ll grow a speaking career in the Covid world we all live in now, I am confident I’ll figure it out because of the obstacles I’ve already overcome. I know there is at least one promise that I made in my 20s that is still true. I will, “use facts to form opinions, instead of opinions to form facts.”

After years of personal denial, I realized my greatest niche might be the one thing I spent the longest time trying to avoid. Maybe I’m just an average guy who is really good at his day job. What is that job? Building systems. What is a system?

System (n.) – a set of processes that work together in an organized manner to strategically move you from goal-setting to goal-achievement.

Anyone can declare a goal. Most people do. Many people struggle to move from goal-setting to goal-achievement. Fortunately, that’s a skill set I’ve mastered. For over a decade that has been in my job description.

I design systems that help people achieve their goals.

TMG subscribers will be the first to learn when my next project drops. It’s tentatively titled, “The First $100,000 is the Hardest.” If that sounds like something you want to support or you simply want to follow what I’m up to next, you can get your first free system today with a sign-up at TheMarcusGarrett.com.

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