This One Tip Will Get You Out of Debt and to FI Faster Than Any Other


By spending less, you’re “eating better.” You’re not wasting your money on dumb purchases that you really don’t need, just as you aren’t filling your face hole with Ding Dongs and lard.


I have done a LOT of research over the past 10 months. I have read books and blogs, listened to podcasts, attended seminars, watched YouTube videos, and met with one incredibly trustworthy and knowledgeable financial planner.

Here are just a few of the books I’ve read:

  • Rich Dad, Poor Dad
  • Start Late, Finish Rich
  • The Automatic Millionaire
  • The Millionaire Next Door
  • The Simple Path to Wealth
  • I Will Teach You To Be Rich
  • The Latte Factor
  • The Total Money Makeover

Podcasts I have (or continue to) listen to:

  • Bigger Pockets
  • Choose FI
  • Motley Fool
  • The Money Guy Show
  • Mr. Money Moustache

You get the idea.

I have spent the better part of a year listening, absorbing, planning, and evaluating how to get out of debt, and how to get on the road to financial independence once and for all. It’s why I’ll pay off over $50,000 worth of debt this year alone, and it’s why I have a plan to be totally free of credit card debt by the end of 2020.

In the process of doing this, I think I’ve hit on something big that I want to share with all of you. Once I understood it, it changed my life totally, and given me the understanding of the mindset I need to really achieve my goals.

The one thing you need to do to pay off debt and achieve financial independence is…

Stop falling for dumb clickbait blog posts like this one.

The simple fact of the matter is that getting out of debt and reaching financial independence is not magic. There is not “secret formula” and I would almost bet dollars to donuts that you already know where you’re effing up if you aren’t reaching your own goals.


Spoiler Alert: I am about to segue the ever living sh*t out of this blog post. Watch the master work!


Speaking of dollars and donuts, I often equate debt and/or financial health to a person’s own physical health, in that we ALL know what we need to do to lose weight and get healthy:

  • Eat Better
  • Exercise More

Yet there have been billions of dollars made on diets, books, videos, etc. All centering around “THE SECRET” to losing weight.

And yet there is no secret at all. Stop eating junk, and start moving and you will lose wait. I guarantee it.

Anyone can achieve some kind of financial independence or at very least improve their financial situation by following some basic steps:

  • Spend Less (and/or make more)
  • Save and Invest

By spending less, you’re “eating better.” You’re not wasting your money on dumb purchases that you really don’t need, just as you aren’t filling your face hole with Ding Dongs and lard.

By saving and investing, you are looking long-term. Going to the gym gets you long term health in the form of a stronger heart, improved mobility, and more energy. Saving and Investing your money gets you a stronger safety net should something go wrong, improved independence to do the things you really want to do, and more time to spend with those you love.

There is one more CRITICAL thing that I’m leaving out, and it applies equally to physical health as well as financial health:


Don’t wait until tomorrow. Don’t wait until Monday because you’re going to Vegas this weekend and know you’ll eat like poop. Don’t wait until Monday to start saving because you really want to go out to dinner this weekend. Just start.

Start a 1% automatic 401k deduction today, or put $50 bucks into your totally empty savings account. DO THIS EVEN BEFORE YOU’VE READ THE VERY FIRST WORD OF YOUR VERY FIRST FINANCIAL BOOK.

In a sense, when it comes to finances I’m saying that you should drive to the gym right now. Who gives a rip if you’re out of shape, or if you don’t know a dumbbell from a school bell. When I first started going to the gym, I had no clue what I was doing, I was super self conscious, and I probably looked like a goober. I did it though, and I slowly learned new techniques and got better. I didn’t sit and read 20 books on proper form before I walked through those gym doors.

With that being said, don’t think for a moment that I’m telling you that you don’t need to read any books, or educate yourself on finances in some way. You absolutely should read a buttload of books, and listen to podcasts, and read blogs, because doing so will get you loads of tips and tricks, and tweaks you can make to the formula.

Just don’t think there is some deep code to crack before you can get started. Sure you might make a mistake or two might not be the absolute most optimal way to generate the most amount of interest on your savings or investments, but in these early days it just doesn’t really matter. Unless you plan to suddenly invest 5 figures of income overnight, you can’t really screw it up that badly.

Side Note: If you are planning to invest 5 figures of income or more overnight, talk to someone who knows what they are doing first. Please.

I’m now very selective in the books I will buy and read on the subject. Just this morning I was driving to work and started listening to a podcast where the subject was centered around “How Rich People Get Rich.” I shut it off after 20 minutes, because it was the same things I’ve heard a million times before.

This doesn’t mean I’ll stop listening to the podcast. It’s a great podcast. I just don’t need to hear those same tips given again.

  1. Make more money
  2. Save more money
  3. Live within your means
  4. Save the extra from living within your means
  5. Invest and diversify

You can do this, and you can do it without spending what little savings you might have on expensive seminars or online courses. A lot of those “I GOT RICH” people “GOT RICH” off of others paying them to learn the recipe for the secret sauce, even though the recipe is four ingredients you already have in your cupboard.

So buy just one of those books I mention above, and read through it. Then maybe buy one more from that list. If you see many common themes between the two books you’ve purchased, STOP RIGHT THERE, and get much more selective.

And for the love of Pete, please don’t fall for lame clickbait blog posts like this one. I did this to make a point, but the simple fact of the matter is that they all effectively say the same thing. The best blogs and sites are the ones that don’t need to lure you in with dumb headlines. They just tell you the junk you need to know and move on.

I’m always going to be straight with you, just as I am going to be straight with you in what I’m about to say:

Barring any pre-existing medical conditions, you know the reason you’re out of shape is because of choice, and barring any pre-existing situation that is truly out of your control, you know why you don’t have a better financial situation.

Be honest with yourself, and stop looking for the simple or easy way out. Buckle down and do what you need to do to make your life better.


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