How one simple strategy took me from financial disaster to financial independence.

Discover the turnkey system and process that taught me how to correctly manage my money AND took me from a $174,000 financial disaster to over $700,000 in net worth in less than 10 years!


Join Our ZeroDebt+ Financial Coaching Community!


See what results our community members are getting...

Jordan Paid Off $30k+ In Just 3 Months! 

Watch Jordan talk about how the ZeroDebt+ Community helped him 1) get on a budget, 2) get out. of debt 3) learn how to invest 4) encouraged him to start a side hustle that is now a profitable business.


I used to be an absolute financial disaster.


And today I'm going to show you exactly how I started from a $174,000 financial catastrophe and was able to elevate to a $700,000+ in net worth in well under ten years, ALL by learning how to master one absolutely pivotal set of skills that I’m going to share with you.


But before we talk about the awesome success part, let me give you a little bit of the disastrous financial backstory first...



In 2001, I started actively descending into

the worst financial chapter of my life,

but I couldn’t quite see it just yet...


At that particular moment everything still looked "okay".

But the next 3 years of my life were going to be violently invaded by: 

1) a gut wrenching divorce that necessitated 

2) an abrupt move to a brand new city where I knew no one and 

3) an ill-timed, ill-conceived career change that would nail the coffin of my financial destitution.

Those next 3 years were the eyewitness of me going from being a prosperous, happily married young man with incredibly high hopes and solid career trajectory TO the crash and burn of becoming a reluctantly divorced, completely disoriented stranger in a new city with a dead end career.

And it gets worse...


Hi, we're Brad & Angelica!

Personal finance teachers/mentors and founders of Zero Debt Coach.

We created this community to help our students: organize their finances, learn effective budgeting, eliminate their debt and press onward to financial independence.


As if all that wasn't bad enough, I made some even worse financial decisions. 


  1. I leased a car that was over the top of the range of what I could afford and 
  2. soon after decided it would be a great idea to buy a condo in downtown Atlanta that was completely out of my financial reach. 


And yes, both the car AND the condo were amazing. But despite the “sheen” of both of those purchases, I totally knew, in my heart of hearts, I had no business buying EITHER of them.

BUT, for some strange reason (peer pressure, keeping up with the Kardashians, and the unrelenting pressure from my borderline toxically positive real estate agent), I did it anyway.


So, it was all just a heaping pile of evidence of my  colossal lack of financial boundaries, all due to a lack of:

1) financial organization, 

2) budgeting and 

3) expense tracking… and it cost me… dearly!


And I’ll unpack more about that in a little later..


To say that I was worried about money would be the understatement of the millennium.


And... it actually gets worse... much worse...

The moment it all came crashing down.


On one particularly frigid winter evening in early 2004, it all just fantastically imploded. 


I remember standing at my kitchen counter at about 6pm with this sinking pit in my stomach. I logged into my online checking account and… was absolutely wrecked as I locked my eyes on my pitifully anemic bank balance.


Somehow I was shocked to learn that there were only a few hundred dollars left in my account.


So, immediate panic began to set in. I knew I was in BIG trouble.


I so vividly remember that moment standing at my kitchen counter behind my laptop screen, grinding my teeth, thinking to myself, “how did I let this happen” and, “what am I going to do?”


My mind started racing toward thoughts like, “I’m going to lose my condo”, “I’m going to lose my car”, I’m going to lose everything and be forced to live on the street!” 


My worry about money was now a REAL and full-blown personal economic crisis.




And it was at that very moment, that precise and transformational 

knife edge moment in time, I knew it was

ALL going to have to change.


I knew it wasn’t possible to keep living this way.


From that moment I knew I was going to have to do something radical.

And this is a change that, more than likely you've been faced with, too...

And I know I'm not alone in this. In fact, I know you've probably lived some version of this same story...


Let me ask you if any of these sound familiar?


  • You constantly worry about money.


  • You’ve suffered under the weight of living paycheck to paycheck but have never been able to pull yourself out of it.
  • You can't pay all your bills (more month than money).
  • You’ve tried to start and live on a budget, track expenses and essentially “white knuckle” your way toward saving money, paying off debt or even investing.
  • You’ve been through Dave Ramsey’s “Financial Peace University” (FPU), watched a hundred YouTube “budget with me” videos and maybe even taken other online budgeting courses, but have never been able to get the traction you want.
  • Perhaps you make pretty good money, but you just don't feel like you have any control over it.

Maybe you’re even a little disgusted with yourself for all the time and money you’ve spent trying to get on a budget.


And you may keep asking yourself, "what am I missing? Why can I not

seem to get on and stay on a healthy, sustainable budget?"

What I’ve found is that there is actually

a solution to all of this.


And the good news is that it’s really not all that complicated...


In fact, over the past 10 years I’ve been working with over 1000 of my private coaching students, helping them get their finances into shape, get organized, get on a budget, get out of debt, set up an investment strategy that ultimately moves them toward financial independence.

But the question is, even IF you're super motivated to do something about your situation, how long would it take you to put all of these elements together into a cohesive, workable strategy by yourself.

A week? A month? Six months?

How much time, effort, energy and brain resources would it take for you to assemble your own system?

And, how much "trial and error" would you need to do until you knew it was "right".

AND the tougher question is, would you actually do it?


What I found was that if my student’s “why” was big enough and they

were really serious about making progress with their money,

all they needed was:



1) A solid system to follow.


2) Some skill building and coaching in key areas. 
3) Accountability, encouragement and community to help keep them on track and to celebrate every single time they made even the smallest win.




That’s it. It’s really that simple. 


But you know what the biggest problem for most people is?

If you guessed, not having a big enough “why” and not getting serious enough about their situation to plug into a system, build some skills and get some coaching and/or community, you guessed right!


AND I remember how I felt that day staring into the abyss of an almost empty bank account. 


I will NEVER forget that day for the rest of my life!

It was THE turning point in my life.

I NEVER wanted to feel like that again.

It started me down a path that saw me obliterate that $43,000 in just 2.5 years, AND...

Even better, saw my net worth go from a negative $43,000 to almost $600,000 in under 5 years!

I uncovered a turnkey process that completely changed my life AND I was determined to share with as many people as possible.


Because, I NEVER want you to feel the desperation I felt again, either.

AND I know there's a clear cut path out of it...

That's why I've taken a decade worth of knowledge, pain, success, frustration and experience and distilled it down into a repeatable system.


So that's precisely why I’m excited to introduce...

The ZeroDebt+ Financial Coaching Community


An end-to-end, turn key, proven system and community that slowly but surely takes you from your current financial situation to: financial solvency, debt-elimination, elevated savings and ultimately to financial independence.


I’ve distilled everything I’ve been teaching my private coaching students over the past 10 years into an easy to follow, step-by-step and highly engaged ZeroDebt+ Private Coaching Community!

This is the only private personal financial coaching community that will help you absolutely crush your personal financial goals without having to try and “figure it out” on your own AND in far less time than it would take for you to “DIY”.

In this private coaching community, I’m going to lay out the pathway to your ultimate financial freedom.

And I’ll do it using: monthly coaching, exclusive personal finance content and best of all, a phenomenal community of like-minded individuals who will be there to share in your wins, your challenges and to help you explode your results faster than you ever thought possible.

The ZeroDebt+ Private Coaching Community Is...


An end-to-end, turn key, proven system and community that confidently takes you from your current relationship with money and transforms it to one of high organization, granular detail, and most of all...




There are more than a dozen “core” masterclass workshops inside the community that are aimed at helping you “jumpstart” your financial goals within the first 90 days inside the community.

In fact, most of our students are able to save at least $1000-$2000 in the first 30 days and either save or pay off an additional $5000-$6000 in debt in the first 90 days.

Overall the community will outline all of the “Why, What and How-To” of personal finance. 

AND, you’ll be ingesting all of this inside a warm, supportive and highly motivated private coaching community. This is what’s missing in so many excellent personal finance resources out there.

And here you’ll be encouraged to share your wins as well as your challenges as you move ever closer to your personal financial goals.

Mindset, financial organization, budgeting, savings strategies, earning more money, investing and pursuing financial independence (FI or FIRE).


"The Absolute Best Private Personal Finance

Community On The Internet"


What You Get:


Access to a community and coaching system that includes:

  • Monthly "Live" Coaching Calls
  • Exclusive Monthly Personal Finance “Masterclass”  Content
  • A Supportive, Highly Motivated Community Of Aspiring Fellow Personal Finance Conquistadores
  • An ever-growing Bonus Resource Vault aimed at helping you reach your financial goals 2x faster. 


Access to a PROVEN end-to-end personal finance coaching system that has helped thousands:

  • Define their personal financial goals and their "why".
  • Develop the proper "growth mindset" required to become sucessful with money
  • Eliminate the "overwhelm" that always accompanies building the budgeting skillset.
  • Organize their finances in a way that minimizes worry.
  • Plan their cashflows in a way that gives them 100% confidence in their financial future.
  • Track expenses to 100% accuracy using proven tools and methodologies.
  • Have a continuation plan that makes budgeting a lifelong skill so that they can move on to their more aspirational financial goals like debt-elimination, investing and financial independence.


You'll Also Get:


Access to a REAL and experienced financial coach, who:

  • Paid off $174,000 of debt in 2½ years.
  • Built a net worth of over $700,000 in under 10 years AND
  • Has successfully coached thousands of students toward the same results.


Live Coaching Calls

Monthly group coaching calls reviewing masterclass material and Q&As.

Monthly Masterclass

Exclusive monthly content aimed at taking your financial acumen to the next level.

Amazing Community

You're part of a supportive, highly motivated community of aspiring fellow personal finance nerds.

Bonus Resource Vault

An ever-growing reservoir of extra instructional videos, workshops, tools, and printables.

But, what kind of results will I get?

I mean, that's why you're even here in the first place, right?

Our private coaching students are

immediately able to:


  • Save/find/cut AT LEAST $1000-$2000 in the first 30 days

  • Save/find/cut AT LEAST an additional $1000-$2000 in the first 60 days


  • Pay off/save/invest anywhere from AT LEAST $5000-$6000 in debt within the first 90 days AND

  • Have a solid continuation plan with encouragement, accountability and community to help them to continue striving forward toward their next goal, while celebrating each small win.


So, for most of our students our coaching reaches a value of $5000-$10,000 in value within their first 90 days of engagement. 

Not bad, right?

But before you read below, just stop for a second and ask yourself:


“What would it be worth for me to be able to save AT LEAST $1000-$2000 in the first 30 days and pay off (or save/invest) anywhere from AT LEAST $5000-$6000 in debt within the first 90 days?"


And What Would You Expect To Pay For

Something Like This?


Let's make some comparisons:


Private 1:1 financial coaching typically costs:

Anywhere from $150/hr to upwards of $500/hr.

It can be totally worth it, but the cost may be hard to justify unless you know you'll get results.  Even then... ouch!!


Session-based group financial coaching typically costs:

Anywhere from $250-$1000+/mo.

And group coaching can get you HUGE gains, but you always have to weigh:

Who else is in the group and how motivated are they to get results?

How much 1:1 focus on your particular situation will you get?

What will be the type and accessibility of the material you're covering once the coaching has ended?


Online personal finance education courses usually cost:

Anywhere from $100-$1000 for a course AND they normally have very little granularity about the actual budgeting process.

I personally think you should take a few of these until you find one that's the right fit but ultimately, you're I believe you're going to benefit more from having a dedicated budgeting guide that will guide you through ALL of the proper pieces in a "made-for-you" and "step-by-step" fashion.

Which leads me to my next point...


What about Dave Ramsey’s FPU (Ramsey+), or similar PF programs?

Have you gone through FPU or something similar?

If so, you've got a lot in common with most of our students, about 80% of them in fact.

DR's program is great and PART of what I used in my own process to pay off $174k of debt in 2.5 years.

BUT, many of our students have been through it 1... 2... 3 or more times and still struggle with budgeting... Why?


Because as good as it is, it's just not enough... Enough detail, enough granularity, enough skill building, accountability, encouragement... AND community!

This ZeroDebt+ coaching community will be great for you EVEN IF you're enrolled in DR's program because it will "next level" all the skills and principles you're already learning...

Plus, it will give you something you may not even know you need yet: a warm, encouraging and motivated group of fellow journeyers to share your wins and struggles with.

AND What About The Cost Of Doing Nothing?


Have you counted the cost of what doing nothing would be?

Let's review some likely scenarios you might be facing:


  • You've languished in your "worried mind" for years and can't seem to get it all together with you money.
  • You’ve suffered under the weight of living paycheck to paycheck but have never been able to pull yourself out of it.
  • You can't pay all your bills (more month than money).
  • You’ve tried to start and live on a budget, track expenses and essentially “white knuckle” your way toward saving money, paying off debt or even investing.
  • You’ve been through Dave Ramsey’s “Financial Peace University” (FPU), watched a hundred YouTube “how to” videos and maybe even taken other online personal finance courses, but have never been able to get the traction you want.
  • Perhaps you make pretty good money, but you just don't feel like you have anything to show for it.


And while it may be difficult to put an exact dollar amount on this, it's not hard to count the cost in terms of: anxiety, stress, depression, feelings of helplessness, relationship problems, being stuck in a career you hate because you've "gotta pay the bills".

Only you can populate that list, but I know that it's probably a long one, just like mine was...


But here's the real question...


Is your total financial transformation worth

what you'd spend on lunch at Chipotle?






($20/mo Off For Life)


Monthly Live Coaching Calls And Masterclasses

Private Online Community

Instructor Email Access


Bonus Resources Vault

"ZeroDebt+ Success Path" Workshop

"$1k In 30 Days" Workshop

"The World's Easiest" Budget Workshop


"8 Steps To Erase Debt" Online Course And Workbook


2 - 1:1 Coaching/Budget Review Sessions







($223/yr Off + 3 Months Free)


Monthly Live Coaching Calls And Masterclasses

Private Online Community

Instructor Email Access


Bonus Resources Vault

"ZeroDebt+ Success Path" Workshop

"$1k In 30 Days" Workshop

"The World's Easiest" Budget Workshop


"8 Steps To Erase Debt" Online Course And Workbook


2 - 1:1 Coaching/Budget Review Sessions







(Includes 1yr with (2) 1:1 coaching sessions, then $247/yr)


Monthly Live Coaching Calls And Masterclasses

Private Online Community

Instructor Email Access


Bonus Resources Vault

"ZeroDebt+ Success Path" Workshop

"$1k In 30 Days" Workshop

"The World's Easiest" Budget Workshop


"8 Steps To Erase Debt" Online Course And Workbook


2 - 1:1 Coaching/Budget Review Sessions 


Don't forget: it's completely risk free.


30-Day Money-Back Guarantee


So if you've followed me for any amount of time, you know my story. You know what I’m about...

My vision is to create as many personal finance success stories as possible and to reduce as much financial suffering as possible.

I wholeheartedly believe, that the ZeroDebt+ Community will finally help you get you the results I know you are after. 

And to prove it, I’m going to sweeten the offer even more.

I’m going to make this a no brainer deal for you, and I want to, with every fiber in my body, guarantee that you don’t fail.

So I am going to offer you a 100% Money Back Guarantee for a total of 30 days when you join the ZeroDebt+ Community today. Just to make this a no brainer. Just to remove failure from the equation.

Just to make sure that this experience is 100% totally risk free for you.



Review the entire program, community

and resources for 30 days...


If you don’t love it within that first 30 days - I will give you a complete refund.

As a results-obsessed financial coach, I just wouldn’t feel right in keeping your money if this community didn't meet your expectations.

I would much prefer you find a resource that's exactly what you're looking for so you can continue to make progress toward your goals.

So if at any point within the first 30 days, you feel the ZeroDebt+ Community hasn’t delivered or it wasn’t the product you expected it to be - Just send me an email and I will give you a 100% refund immediately.

You’ll get all of your money back - no strings attached, no forms to fill out, nothing to prove - no questions asked - All because your satisfaction is what matters to me.

Jump on the program today (just click the button prompt) - it’s a safe and totally risk free decision - and it’s the best one you’ll make today.



This is a ONE TIME ONLY offer.


I MUST also reiterate, the price will never be this low ever again, for as long as this community exists.

I’m literally offering over $10,000 of value to my students who join this community for the ridiculously low price of $27/mo or $247/year (3 months free).

And, by enrolling at this price, you'll get that membership deal for the rest of your life (or however long the community is relevant for you).

Once the cart is closed, this price is gone forever. When I do reopen (probably sometime next year) the price will be at least double.



Now, Let's Talk About Bonuses!


As a ZeroDebt+ Community founding member, you'll be able to
take advantage of some very special bonuses.


Bonus 1 - The ZeroDebt+ Success Path Workshop

($200 value)   


  • How to 100% guarantee that you won't fail in this community.
  • The "ZeroDebt+ Success Path” 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 gauging where you currently are and exactly how to reach the next rung.


Bonus 2 - $1k In 30 Days Workshop

($200 value)  


  • The blueprint for saving, earning and/or cutting your way to an extra $1k every month.
  • My personal 4 step strategy that will help you get your next $1k for saving, debt-payoff or investing.
  • My proven method for constantly generating fresh ideas and obliterating inertia.
  • The best repeatable process for getting your next $1k in the door.


Bonus 3 - The World's Easiest Budget Workshop

($200 value)


  • The "teeth" of our $1k in 30 days challenge.
  • How to create an easy system to level-set your finances and track what's going out every month.
  • A simple, powerful set of conversational guides for navigating "it's not in the budget right now" conversation.
  • A surprising way to shorten the distance between you and your next financial goal by 50% or more.


Bonus 4 - The Bonus Resources Vault

($200 value)  


  • Constantly expanding vault of resources, printables, guides and workbooks to help you continue to build your personal finance muscle.
  • Resources that have helped me consistently increase my savings rate to above 70% every year for the past 5 years.
  • Access to the specific tools I've used to help get my family 60% of the way to our "FI number" in just 5 years.


Bonus 5 - FREE 30 Minute Zoom Call With The Instructor

($100 value) 


  • Sometimes asking a few questions or outlining a specific situation will help you get on track much more quickly.
  • This free call is designed to let you talk through your situation and allow me to point you in the right direction.
  • This will also allow me to answer specific questions about the community and listen to resource suggestions you may have.



The 8 Steps To Erase Debt Online

Course & Workbook

($300 value) 


The "Annual" & "Annual with Coaching" options get you INSTANT access to the entire "8 Steps To Erase Debt
Online Course & Workbook" 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).


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


And so, you’ve reached the point of decision.


You can either continue down the path of least resistance, the path you have already been traveling, or you can choose the road less traveled. 

The path of least resistance will probably result in you getting the same outcomes you’ve always received and the same dissatisfaction you’ve always experienced.

But if you want something different to happen, if you want to change the direction of your finances and your life, you’re going to have to do something different. 

Obviously, my encouragement is for you to make a new choice, and pursue your new outcome.



Let’s look at what your life could look like in the near future if you DO join this community:


Just think about how different things could be in: 1 month, 3 months, 6 months, 1 year, 5 years…

Can you imagine what it would it feel like to be:

1 month, 6 months, one year or more ahead on your bills.

Soundly in control of your financial life, no more considering thinks like: bankruptcy, debt-consolidation or just throwing your hands up financial surrender.

What would it feel like to have $10-$20k or more as an emergency fund.

Either debt-free or solidly on your way to it?

Your friends might say in passing: “Man, you seem so much more relaxed/kind/generous".



Conversely, let’s look at what your life will probably look like if you DON’T join this community:


Basically, the same thing you’ve got right now and maybe worse if you don't take action now.

More years of “more month” left at the end of the money.

I mean, does this sound ridiculous? Am I completely off base?

If you’re feeling doubtful about making a decision, then go ahead and join for one month, it's totally risk free.

This community 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.



This community 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.

What are you waiting for?

Join this exclusive private coaching community and let us help you transform your financial life forever!

Sign Up Now


There are two types of people...


Some people dread the fact that they don't have as much control over their money as they would like and they secretly 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 and community 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 ZeroDebt+ Coaching Community today and let’s change your life and your family's lives forever!

Your Virtual Financial Coach,