How Being Honest in my Marriage Helped us Pay Off $61,000 of Debt – with Michael Lacy

Being in debt can cause mental stress, physical stress and marital stress.

Michael Lacy and his wife Taylor were under marital stress when their debt caused them more problems than they were prepared for. After some honest discussions and hardcore planning, they managed to pay off all their debt and come out stronger as a couple.

Michael now helps other couples find common ground and work together on their finances through Winning to Wealth and podcast Wealthy Neighbors.

Today, we talk about how they first accumulated $61,000 of consumer debt, how they worked through their marital problems and what they’re doing with their money now that they are debt-free.

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Climbing Out Of $1,000,000 of Debt to Achieve Financial Independence – with Wendy Mays


Being neck-deep in debt can make you feel like all the odds are stacked against you, especially when you reach almost the seven figures!

Today, Andy talks to Wendy Mays on how her family is climbing out of nearly $1,000,000 of student loans, home mortgages, car loans, and other consumer debt. Wendy is the host of the House of FI podcast, a part-time work-from-home lawyer and a mother to six children. 

We talk about how she and her husband accumulated their debt, the turning point that led them to fix their situation and their progress on their journey to financial independence so far. 

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7 Reasons Not to Buy a Home (When You’re In Debt and Have No Savings)

Our second question of the month comes in from Anonymous from our Thriving Families Facebook Community:


Hey Andy,

Should we wait until we’re debt-free in order to buy our first home knowing that we’ll be renting for at least the next two years? 

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How We Eliminated $27,000 of Newlywed Credit Card Debt – with Chris Browning

According to Bankrate, 29% of Americans have more credit card debt than they have in an emergency fund. That is some scary, scary stuff.

Today, I have a guest that accumulated quite a bit of credit card debt right around the time he got married. We’re going to talk about how he got out of that mess.

Chris Browning is the creator and the host of the award-winning short-form podcast, Popcorn Finance. His topics range from understanding the basics of investing all the way to his love of tiny homes. Chris’s advice has been featured in major publications like NerdWallet, Yahoo Finance, and CNBC.

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How Couples Can Stay Motivated When Paying Off $100,000 of Debt

Our first question of the month comes in from Daniel from Texas who wrote to me on my Facebook Page:


Andy, 

My wife and I have been married for 3 years. We are currently trying to pay down approximately $103,000 of debt. We initially started with $190,000 of debt when we got married. So we are progressing. 

What’s the best approach to talking about debt and tackling it together? 

We’ve taken the Dave Ramsey course and are currently doing the Debt Snowball, but at times we get into little arguments on our approach on how to tackle this debt. Any advice on how to handle that? 

And what did you guys do to stay gazelle intense while on your debt-free journey? We are starting to get pressure from family about having kids and she feels like we are stagnant in our lives due to this debt.


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Climb Out Of Massive Debt with These 10 Life-Changing Steps

When someone has a large amount of debt, finding a way out can feel impossible. The scattered accounts, the interest rates and the stress of keeping up with the day-to-day expenses of life are enough to drive us crazy.

After interviewing around 100 individuals who have conquered their debt and moved onto building wealth, I’ve learned what it takes to say goodbye to debt forever.

Here are 10 life-changing steps that came up Repeatedly throughout my interviews:

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How Crushing Debt is Like Yard Work

This past Sunday, my wife Nicole and I attended our local church’s Financial Peace University class. I had the opportunity to teach this course in January for the first time and now we are supporting our friends who are leading it over the next 8 weeks. It’s so exciting to talk and work with couples who are committing themselves to getting rid of debt from their lives.

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