About Me




I was overwhelmed and drowning in debt.

I had managed to get myself into $201k of student loan debt with a teacher’s salary. I didn’t know what to do and I had no idea how I was going to afford my monthly expenses. My debt minimum payments were barely covered by my income. Fast forward 4 years and I’ve paid off 6 figures of debt and increased my income through side hustles. I want to help you do the same for your life.

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Should I Invest While Paying Off Debt?

This post may contain affiliate links. Check out my Disclosure Policy for more information. Whether or not you should invest while paying off debt is a hot topic in personal finance. There are many different ideas surrounding this topic. The short answer is that it depends on your long term goals and if your employer offers a match. I have always stood by the idea that if your employer offers a match, contribute up to the match. Most companies this means a small percentage of your check, it’s usually not much. If your company has some amazing match, then it’s up to you to decide how much to contribute. I wouldn’t leave all the free money on the table though. This is especially true if you’re a twenty something. Time is absolutely on your side and you have compound interest working wonders for you right now. Take advantage of it! Once you are contributing up to the match, I would sit tight while you pay off your debt. Once you have made a dent there are some things to consider before upping your retirement contributions. 1. Are you contributing at least up to the match, if your company offers this? When you’re […]

How to Accomplish Big Goals

This post may contain affiliate links. Check out my Disclosure Policy for more information. I am the first to admit that big goals can be scary. When you look at something all at once, it can be very intimidating. Like, paying off $201k in student loans. That was a huge goal for me and very intimidating when I first started. So, I didn’t think about that number at all. As a matter of fact, I didn’t really consider my total number until recently. I only thought about my current debt I was working on paying off. That was manageable to me. I couldn’t think about the massive goal, but I could focus on paying off chunks at a time. It made it easier and made me more motivated to start. You can do this with any big goal that you have by following these steps. 1. Create your big goal. Obviously, you need to have a goal you want to reach. I’m not talking about some small goal you have, those are important, but I’m talking big goals. Like, reaching financial independence, or creating your own business. These are big goals and will take time to reach. But, they can be done. […]

The One Thing You Need to Do to Pay off Your Debt

This post may contain affiliate links. Check out my Disclosure Policy for more information. Paying off debt isn’t hard to do on paper. You increase your income and decrease your spending. Simple, right? On paper, yeah, it is easy. The problem is that it takes a ton of changes in behavior to actually get the job done. You can create the best plan in the world on paper, but executing that plan is what actually matters. And that’s what is so hard. The actual execution of the plan is the hardest part. It takes a lot of diligence and desire to make the behavioral changes that are needed to get it done. Trust me, I’ve been there and still find myself struggling with this at times. I started with $201k in student loans and a monthly payment of $2,000 while only making about $3,000. I had no choice but to change my behaviors to see results. So here’s the one thing you absolutely need to do to pay off your debt. Stick to your budget. It’s not just about creating the budget. A planned budget is great. Having a plan for your money is absolutely important. But, if you just let that […]

Paying Off 6 Figure Debt and Still Living Your Life

This post may contain affiliate links. Check out my Disclosure Policy for more information. The thing that I don’t like about some of the personal finance gurus out there is that they tell you to basically stop living your life to pay off your debt. And I do get the reasoning, if you can get it done in a couple of months. If you can buckle down and be debt free in 2 months, absolutely do it! But, what about if you have 6 figure debt and it’s going to take you years to get out debt? Do they seriously expect you to not live your life for years? That would be crazy! And I can speak from experience (approaching the 4 year mark of my debt free journey and still have $66k to pay off) that you will burn out and be miserable if you do this. I’m not saying spend all your money on fun things and have no money to go towards your debt. But, you should be doing things that are important to you on your longer journey. Here’s how I have made it possible to still live my life while paying off $201k in student loans. 1. […]