Your "No-Overwhelm" Roadmap To Debt Freedom!

Get ready to transform your finances for good!

In this "8 Steps To Erase Debt" Digital Course, you'll learn the "step-by-step" tools and processes you'll need to get your arms around your finances, eliminate debt and move on to pursuing financial independence.


Get It Now!





Printable PDF Workbook (90 + pages of instructional material and forms)

Digital Course & Community (Lifetime Access)

Limited Instructor Email Access

Bonus "FI" Module







Printable PDF Workbook (90 + pages of instructional material and forms)

Digital Course & Community (Lifetime Access)

Instructor Email Access

Bonus "FI" Module



Got Debt?
Sick of It?

What would your life look like if you could:


1) Effectively organize your finances...

2) Become an excellent budgeter...

3) Obliterate ALL your debt and...

4) Press onward to financial independence...

All while NOT being completely overwhelmed by the process?


Yes, I know this sounds like a tall order, but please hear me out. When followed to the letter, this step-by-step, workbook/mini-course will take you from broke/paycheck-to-paycheck living all the way to debt-freedom and well down the path to financial independence, all without the crazy overwhelm that usually accompanies all things personal finance.


Brad Long

Hi I’m Brad Long - personal finance teacher/mentor and founder of Zero Debt Coach.

I created this platform to help my students: organize their finances, learn effective budgeting, eliminate their debt and press onward to financial independence.


Maybe You Can Relate?

In 2004 I found myself in more than $43,000 of consumer debt, no job, no prospects and no hope.

By the middle of that year, I had reached the end of my financial rope.

My growing debt, my paycheck to paycheck living and my underemployment were all winning in my life.

AND I was losing.


I was $43,000+ in consumer debt, didn't live on a budget, was severely underemployed and totally, utterly hopeless. I was so depressed and anxiety-ridden, that I was sleepless and almost completely incapacitated.

It was horrible, and I NEVER want to go back!

I had no money, no budgeting skills, no sense of the "right" way to do personal finance. AND the world quickly "took me to school" and showed me that I was going to have to do some things differently if I ever wanted to win with money.


Does any of that sound familiar to you?

Fast Forward To 2007
(2.5 Years Later), I Was...


During this incredibly dark chapter in my life, I discovered the "8 Steps To Erase Debt" principles that I now teach and was able to obliterate that seemingly insurmountable $43,000+ of debt in just two-and-a-half years!

These 8 steps completely transformed my life from one of anxiety, worry and financial hopelessness, to one of peace, confidence and a sincere hope for the future.

And my own journey and ultimate success ignited a fire inside of me to help as many people as I can achieve the same results I got (or even faster in many cases).

So, are you looking for similar results? If so, I can definitely help you get there.


But first, let's talk more about where 

YOU might be right now.

Can You Identify
With Any Of These Statements?

  • “I just don’t have enough money to cover all the monthly bills right now."
  • "I feel like my finances are completely out of control."
  • "I try to sit down to do a budget, but the whole process is so overwhelming, I usually just give up."
  • “This month I had to put some of my monthly expenses on the credit card."
  • "I’m having problems with over drafting the checking account and accumulating late fees on the credit cards and other debt payments."
  • "I feel like I'm being forced to stay in a job/career I hate, because I have too much debt right now."
  • "Because of financial limitations, I’m not able to engage with my social network how I want (vacations, events, restaurants)."
  • "Debt collectors have started to call."
  • “I’m actually having to hide debts from my spouse."
  • "I just can’t afford everything in my budget/household and I don’t know what to do about it."

It all feels kind of like this... Right?

And, aren't you JUST
completely sick of it?!

So, What If I Told You

That You Could??

  • Finally have access to a simple set of instructions that would cultivate a feeling of confidence about your finances?
  • Be able to start chipping away at the problem of not having enough money to cover all the monthly bills?
  • Eliminate your need to rely on credit cards as  your “emergency fund”?
  • Eliminate problems with bank overdraft fees and accumulating late fees on the credit cards and other debt payments?
  • Garner some financial consistency and a greater pathway out of a job/career you don't enjoy or even hate?
  • Develop a sensible, affordable strategy to engage with your friends and family that is more in line with how you’d like to engage with them (i.e. for vacations, events, enjoying restaurants)?
  • Develop the ability and confidence to deal with bill/debt collectors and then to sack them for good!?
  • Remove the feeling that you need to hide debts and expenses from your spouse?
  • Develop an increasing sense of progressive and overall improvement in your financial life?
  • What if you could say, “I’m doing okay now, but I’m going to continue to get better and better"?

Got You Thinking, Right?

What Would My Life ACTUALLY Look Like?

And... What If You Could??

  • Remove the anxiety and stress of not knowing what’s going on with your money?
  • Sleep better at night knowing that you’re on the right track and making regular, measurable progress. 
  • Totally internalize a system of bite sized, reasonable steps that helped you to build your personal financial literacy and win with money?
  • Become so good at "money" that you were the personal finance envy of your family and friends?
  • Completely remove the overwhelm of organizing your financial life?
  • Obliterate the feelings of helplessness and hopelessness around your income, expenses and debts?
  • Reduce relational conflicts in your home by at least half?
  • Reach your financial goals without having to attend a class at a physical location and sit with a bunch of smelly people? Hahahahaha...
  • Get unlimited access to a life-altering financial "how to" program, no recurring "annual fee"?
  • Have email access to a highly experienced, certified, "has walked in your shoes", financial coach?
  • Reduce the “fog of confusion” normally associated with personal finance?
  • Completely transform your financial behaviors without having to spend a bunch of money or go even further into debt?
  • Permanently eliminate debt? Yeah, like forever...?
  • Use the principles we've been talking about to, not only learn how to sack your debt, but then also to build wealth?
  • Totally remove worries about money being part of the calculus of an emergency?
  • Easily develop clarity around the “how do I even do this" of personal finance?
  • Eliminate the endless “hunting” around for random tips on Google , Facebook and Pinterest?
  • Follow a simple, “do this, then do that” format and totally change your financial future?
  • Shorten the debt elimination/budgeting/personal finance learning curve?
  • Eliminate wasting time on trying to figure out “the next right thing” to do?
  • Know exactly what to next do so you’ll be able to get out of debt faster?
  • Be able to attain financial success faster with this guide as your “fast track".

Now, the real question is...

Do you believe any of this is possible?


Well, I'm here to tell you that you should because it definitely is!


I'm going to show you exactly how to do it...


The "8 Steps To Erase Debt" Workbook & Mini-Course

This Program Is Focused On
4 Core "How To" areas:

In this easy-to-follow, step-by-step, do-this-then-do-this system, you'll internalize the ways in which I've successfully
taught hundreds of students "HOW TO" :

Your Finances

Any success with money ALWAYS begins with organizing what's coming in and what's going out. Following this process will eliminate disorganization from your finances forever.


An Excellent Budgeter

Cash flow planning (budgeting) optimally will take your finance organization skills to a higher level that will ultimately carry you forward to financial independence.


All Your Debt

Finances organized, budget in place, you can now focus ALL your energy on destroying your debt. This workbook and mini-course will help you fast track your efforts.


Press Onward
To Financial Independence

Now that you're out of debt, I'll show you how the skills you've worked so hard to perfect will very handily move you on to financial independence (FI) in 10-15 years or less!


"My husband and I were making a good living, yet had no savings to speak of and were living completely paycheck to paycheck.

In fact, it was worse than that. We were spending so frivolously that we were having to borrow money almost every month- either through personal loans or cash advances-just to get by. We were in way over our heads and we realized that we couldn't live that way any longer.

Thank God we found Brad! The first meeting with him, he made it very clear to us, without judgement or scorn, that we could not keep spending the way that we were and provide long term for ourselves or our children. He helped us to see where we were overspending and assisted us in setting up a family budget that worked for us.

We learned that actually talking about money-and not just fighting about it- really helped us to right our ship, both financially and in our marriage. Brad also taught us ways to effectively pay off our debt without wearing ourselves thin. We have now, after 6 months, paid off over $10,000 in debt, including completely paying one of our vehicles off. We are on track to pay off $25,000 within the year!

Without Brad's help, we would have never figured all of this out and gotten back on track. Brad is caring, compassionate, and tough when we need it! He checks in with us regularly and celebrates our successes right along with us! He was and is an answered prayer and we are so grateful!"

Mandy D.

Here's What You'll Get Inside:


Module 1 - This Is Where Your Transformation Begins!


  • How to 100% guarantee that you won't fail in completing this workbook/mini-course.
  • “The Assess The Mess” Checklist: The secret sauce to getting started solidly and ensuring complete success.
  • How to obliterate sneaky mental barriers that keep most students from reaching the finish line.
  • A simple (and overlooked) strategy for turning your current situation into a pile of emotional fuel into your ultimate victory over debt and money problems.


Module 2 - Steps 0-4: The Nails In Your Debt's Coffin


  • How to optimize your finances to jump start debt elimination.
  • Why having a rock solid, consistent budget is pivotal for both now and later (FI).
  • My proven method for obliterating your debt and never looking back.
  • The best tool for learning how to never worry about money again.


Module 3 - Steps 5-7: The Foundations Of Financial Independence


  • Consumer debt gone, I'll show you how to lay a solid financial foundation to achieve all of your financial goals.
  • How to create an ever-increasingly fat buffer between you and financial worry on auto-pilot!
  • A powerful set of conversational guides for navigating "the college funding" conversation.
  • A surprising way to shorten the distance between you and financial independence by half.


Module 4 - The Bonus Step


  • How to build a playbook that will ensure you reach financial independence within 10 years or less after reaching debt freedom.
  • A proven strategy I’ve used to consistently increase my savings rate to above 70% every year for the past 5 years.
  • Access to the specific tools & resources I've used to help get my family 60% of the way to our "FI number" in just 5 years.


Let's Get You To "Debt Zero"
And Beyond

The opportunity to totally change your future is right here...
You just need to grab hold of it.

"No-Fail" Forms & Checklists Included

The entire 8 Steps Workbook/Mini Course is available both as a downloadable/printable PDF form as well as an online course and community for questions and interactions.

On top of that after each of the 3  modules (plus the Bonus Module) you’ll be given dedicated Action Steps.

These are your homework - a checklist of sorts that gives you clear benchmarks and “next steps” so you know exactly what to do first, second, and third with all the information you’ve just consumed.

With the step-by-step system you’ll learn both inside the workbook itself as well as in the online course, you really can’t fail.

Here's a list of the forms and checklists you'll have access to inside the workbook and mini-course:

  • The 8 Steps To Erase Debt Downloadable/Printable PDF
  • “How Time Blocks Work” Instructions
  • What's Your "Why" Exercise
  • “Everything I Owe” Worksheet 
  • “Net Worth” Worksheet
  • “What To Do When You Can’t Pay Your Bills/4 Walls” Graphic
  • “Pro Rata” Debt List
  • “Monthly Income” Worksheet
  • Budgeting Form
  • Expense/Receipt Tracker
  • Weekly Meal Planner
  • “Debt Snowball” Worksheet
  • The Ultimate Money-Saving Checklist


Get It Now!





Printable PDF Workbook (90 + pages of instructional material and forms)

Digital Course & Community (Lifetime Access)

Limited Instructor Email Access

Bonus "FI" Module







Printable PDF Workbook (90 + pages of instructional material and forms)

Digital Course & Community (Lifetime Access)

Instructor Email Access

Bonus "FI" Module



Don’t Forget: It’s Completely Risk Free

As you'll see, I’ve packed a lot into The 8 Steps Workbook & Mini-Course. I did that not only because I want for you to be wildly successful, but also because I want to guarantee that you don’t fail.

And to make it a no-brainer deal for you I’m giving you a 60 day 100% money-back guarantee with your purchase of The 8 Steps Workbook & Mini-Course today.

That’s right: Go through the course, check out the bonuses, follow the steps, put in the work, and if you don’t love it in the first 60 days of your purchase, send me an email and I’ll refund you immediately. No questions asked, no hard feelings.

If The 8 Steps Workbook & Mini-Course doesn’t work for you, I’d much prefer for you to take your money and invest it where you will be happier and get results. I just want you to unlock your full debt elimination and financial independence potential!

You're Seconds Away...

When you login to the private members area, you’ll be able to access the entire "8 Steps To Erase Debt" Workbook and Mini-Course program and begin your trainings immediately.

You can take the course on any device you like: computer, tablet or phone. As long as you have internet access, you have the course!

Oh and by the way, when you join you get lifetime access to this material - even if I update and add to it in the future.


Get INSTANT access to the entire "8 Steps To Erase Debt Workbook & Mini-Course" including:


  • All 14 core, in-depth, step-by-step lessons, detailed lists and action items and printable PDF forms and worksheets ($2058 Value - equivalent of 14 1:1 coaching sessions with me)
  • The workbook PDF version with over 90 pages of valuable, actionable content including all the forms and checklists you need to be successful.
  • "The Bonus" - The financial independence lesson meant to take the core training to the next level ($294 Value - equivalent of 2 1:1 coaching sessions with me)

In this companion workbook/mini course to our free "8 Steps To Erase Debt" guide, you'll learn the "step by step" tools and processes you'll need to get your arms around your finances, eliminate debt and move closer to financial independence.

This workbook and mini course is packed with all the forms, tools and activity challenges you'll need to move from "theory" into "practice" and become the master of your personal finances forever!


The"8 Steps To Erase Debt Workbook & Mini-Course" comes with a no questions asked 60 day 100% money back guarantee.

Go ahead - go through the course, check out the bonuses, follow the steps, put in the work, and if you don’t love it in the first 60 days of your purchase, send me an email and I’ll refund you immediately. No questions asked, no hard feelings. If you aren't happy, I don't deserve your money. It's that simple.

"Brad has been super helpful in guiding us on how to get out of our $45,000 credit card debt.

I needed help in convincing my husband that he made enough money for us to get out of this debt quickly. Brad was confident that he could tackle this challenge and he did this with great tact and respect.

We have paid down $30,000 in credit card debt in only 10 months. He has also held us accountable through his regular email support.

We have been trying off and on to get out of debt during our 26 years of marriage, but Brad gave us the instruction and motivation that we needed."

Heather H.

The "8 Steps To Erase Debt" Workbook & Mini-Course is for you if...

  • You’re sick and tired of being sick and tired of the miserable status quo in your financial life.
  • You desperately want to get out of the paycheck to paycheck cycle and on to bigger and better financial goals.
  • You’re tired of constant problems with money that never seem to go away, no matter how hard you try.
  • You’re tired of the scammy, "tips & tricks" you see on social media and other web sites and unattainable promises they make.
  • You’re willing to put in the work if it’s bite-sized, step-by-step and fits your ultimate financial goals.
  • You don’t want to waste hundreds of dollars (or worse, go into debt) for a personal finance/debt elimination program OR for financial coaching just to see it potentially fail.


    This is NOT for you if…

  • You're just not quite sick and tired of being sick and tired or are just "sort of" ready to get out of debt. This process will definitely require you to be "all in".
  • You're expecting that you'll "magically" correct your finances and get out of debt just by purchasing the workbook/mini-course.
  • You expect results without putting in the effort. You have to be passionate about changing your financial habits and your life and willing to put in the time and follow the steps.

"I have always been a budgeter, but I was struggling to stay focused and have funds left at the end of the month.

Working with Brad has been awesome because I was able to lay out my budget and show him what I was operating from. I am able to meet with him "virtually" as needed and he is always available to answer my many questions when they come up.

I think the best thing I've received from working with him is an accountability partner. Someone that holds me responsible for my actions, but doesn't judge when I fail.

Also, I love sending him my accomplishments when they come up. I would definitely recommend him to those looking to work or re-work their budget or just have a partner in getting back on track."

Kimberly E.

There are two types of people...

Some people dread the fact that they live paycheck to paycheck, have crippling debt levels and they absolutely hate it.

Yes, they absolutely hate it but NOT ENOUGH to ever do anything serious about it.

Others take action, grab the opportunity to plug into a proven step-by-step, proven process that will literally (with great effort of course) change their financial trajectory forever!

Which is more appealing to you?

Right now many of us feel trapped and stuck where we are.

We don’t have the resources or flexibility to do the things we want and be with the people we care about.

We worry about our health, being at a job we hate for years, and suffering immeasurably under the weight of financial stress.

What if we lose our job, have file bankruptcy, and then start all over again in our 30s, 40s, or 50s or even later?

I promise you, it doesn’t have to be this way!

If you start now, follow the process religiously, reach out for help when you need it, get meaningful accountability, your life will look very different and very fast.


Imagine a year from today...

Take a moment to do a brief thought exercise with me.

Imagine a year from today when you have your finances under control, are on a solid budget and are making great strides toward obliterating debt. And maybe, you could even be out of debt on working your way toward financial independence.

Imagine the freedom you'll have when you're able to spend the day having coffee with a friend, picking your kids up from school, or just taking a nap!

You can do this - I’m proof that it’s possible and I’m here to coach you every step of the way!

Join the 8 Steps Workbook & Mini-Course today and let’s change your life and your family's lives forever!

Your Virtual Financial Coach,


Get It Now!





Printable PDF Workbook (90 + pages of instructional material and forms)

Digital Course & Community (Lifetime Access)

Limited Instructor Email Access

Bonus "FI" Module







Printable PDF Workbook (90 + pages of instructional material and forms)

Digital Course & Community (Lifetime Access)

Instructor Email Access

Bonus "FI" Module



P.S. Don’t forget that when you join 8 Steps Workbook & Mini-Course you are joining risk-free. You have an entire 60 days to take the course, implement the strategies, and take action on all that you learned and THEN decide if it’s right for you.

P.P.S. Trust me when I say, once you’ve had a taste of moving toward debt freedom and financial independence, you’ll never want to go back!

I know what it’s like to be scared to try something new - something that might fail. For me, it took the feelings of utter hopelessness and unending anxiety to push me over the edge and start my financial transformation journey.

It was terrifying and, if you can relate to that feeling at all, I want to become an ongoing partner and cheerleader for your march toward financial independence!

The beauty of The 8 Steps Workbook & Mini-Course is that you can get my complete proven system, learned from over a decade of experience, and skip all of the pain and mistakes that I made.

It couldn’t be easier or more convenient!

Do your future self a favor and be brave. Invest in yourself, get the training that is guaranteed and proven, and get yourself in the best financial shape of your life.

Your life will never be the same!

See you on the inside...

Brad Long - Zero Debt Coach


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