Debt Free

After releasing Debt Free or Die Trying: How I Buried Myself in Over $30,000 in Debt and Dug My Way Out by Age 30, listeners began asking for more information on the “how to” piece of the story. With this in mind, Paychecks & Balances is always actively developing and reviewing new resources focused on teaching individuals how to build, plan, and successfully complete their debt free or financial independence journey.

D.E.B.T. Free: A 4-Week Starter Kit

D.E.B.T. Free is a 4-step program designed by Paychecks and Balances, LLC. covering the exact tools and steps we used to become debt free and achieve an 800 FICO Credit Score. You can review and download the course here.

Buy the Original Debt Free or Die Trying Book

Watch a brief video explaining Marcus Garrett’s journey to debt freedom.

Buy the Debt Free eBook

If you’re already motivated, disciplined, and only need to better understand the small changes you need to become debt free, the eBook is for you. Debt Free or Die Trying: A Simple Guide for Creating a Debt Free Plan You’ll Actually Follow assumes you’re already on the right path but you need a push in the right direction. For less than $2, this ebook will help you design a budgeting system and debt payment plan you’ll actually use. It’s straightforward read to ensure you get on the path to debt freedom as quickly as possible.

Hire Us

Contact us here or download a one sheet to see where we’ve already helped working professionals like yourself make money, save money, and get out of debt.

After a decade of conducting performance audits as a Certified Internal Auditor, as well as designing, leading, and implementing staff development initiatives in the “real world” for companies overseeing millions, and in some cases billion-dollar programs, I realized a very simple fact: the average person does not view themselves as a business.

On every audit, we have three phases: Planning, Fieldwork, and Reporting (outcome). Using a combination of learnings from work and my personal life, I will teach participants how to conduct an “audit” of their own life. We will develop a personalized plan focused on your specific lifestyle goals designed to ensure you succeed because it’s built by you, for you. This is not a plan for the masses. It’s a plan for you. We’ll focus on overcoming most people’s biggest obstacle when it comes to managing their personal finances: ourselves.

We’ve also developed a highly-tailorable workbook for in-person training, mentorship, speaking opportunities or seminars. The workbook is designed for individuals that are just starting out with their first budget, debt payment, credit card, or personal finance plan. It includes more information than the eBook, including infographics, charts, and tables for context and foundation building. This tool works great as supplemental guidance for a one-on-one review or if you want to teach a large group to help improve their budgeting habits; help understand the equal importance of knowing your “why” when figuring out your Debt Payment Plan; and includes direct links to the exact debt calculators, Apps, and other tools we personally recommend and Marcus used to pay off over $30,000 in debt.

Contact us to start a conversation.