Get Out Of Debt Club

Get Out Of Debt Club Helping families reduce expenses, increase income, eliminate debt, and build wealth.

🩸 WEEK 2: STOP THE BLEEDINGMost people think they have an income problem.In reality…They have a leak problem.Imagine try...
07/30/2026

🩸 WEEK 2: STOP THE BLEEDING

Most people think they have an income problem.

In reality…

They have a leak problem.

Imagine trying to fill a bucket full of holes.

You can keep pouring more water into it, but if it keeps leaking out, it will never fill up.

Your money works the same way.

Before you focus on making more money, make sure you’re keeping more of the money you already earn.

This Week’s Challenge

Find 5 money leaks in your household.

Here are the easiest places to start:

📺 Cancel Unnecessary Subscriptions

* Streaming services you rarely watch
* Apps you forgot you were paying for
* Monthly memberships you no longer use

🛡️ Shop Your Insurance

* Auto
* Home
* Renters
* Life

Insurance companies change rates all the time. Spending 30 minutes getting new quotes once a year could save hundreds of dollars.

💡 Lower Utility Costs

* Change your A/C filter
* Adjust your thermostat by 1–2 degrees
* Turn off lights and electronics when not in use
* Seal drafts around doors and windows

Small changes add up over an entire year.

🥦 Reduce Food Waste
Did you know many families throw away hundreds of dollars in food every year?

Try this:

* Plan meals before shopping
* Make a grocery list
* Eat leftovers before cooking something new
* Freeze food before it goes bad

📝 Audit Every Expense
Look at your last month’s bank statement.

Ask yourself:

“Did this purchase make my life better?”

If the answer is no…

That may be a money leak.



💭 This Week’s Question

What’s ONE monthly expense you could reduce or eliminate this week?

Share it in the comments.

Your idea might save someone else hundreds of dollars a year.

👇 Let’s help each other plug the leaks.



💚 G.O.O.D. Club Principle #2

Every dollar you keep is a dollar that can work toward your future.

Before you try to earn more…

Learn to lose less.

WEEK 1: KNOW YOUR NUMBERSIncome💰 Most people know what they owe.💰 Very few people know what they actually make.Before yo...
06/24/2026

WEEK 1: KNOW YOUR NUMBERS

Income

💰 Most people know what they owe.

💰 Very few people know what they actually make.

Before you can get out of debt…
Before you can save money…
Before you can buy a home…
Before you can build wealth…

You need to know your numbers.

Today’s challenge is simple:

Write down every source of income coming into your household each month.

✅ Job Income

✅ Spouse Income

✅ Side Hustles

✅ Child Support

✅ Retirement Income

✅ Rental Income

✅ Any Other Income

Now add it all together.

This is your Household Income.

Not what you think you make.

Not what you made last year.

Not what you hope to make.

What actually comes into your household every month.



Example

Job #1: $3,200

Job #2: $2,100

Side Hustle: $300

Total Household Income:

👉 $5,600 per month

Now you have a starting point.



Why This Matters

Most people don’t have a money plan.

They have money guesses.

The first step to improving your finances is understanding exactly where you stand today.

No shame.

No judgment.

Just facts.

Because facts create freedom.



This Week’s Challenge

Comment below with your income range:

A️⃣ Under $2,500

B️⃣ $2,500-$5,000

C️⃣ $5,001-$7,500

D️⃣ $7,501-$10,000

E️⃣ Over $10,000

You don’t need to share exact numbers.

Just identify where you are today.

Remember:

You can’t improve what you don’t measure.



G.O.O.D. Club Principle #1

Know Your Numbers.

Every financial success story starts with the truth.











🚨 HOW DOES YOUR NET WORTH STACK UP? 🚨(2026 Breakdown by Age)💰 Let’s talk REAL numbers… not social media flexing.Most peo...
04/17/2026

🚨 HOW DOES YOUR NET WORTH STACK UP? 🚨
(2026 Breakdown by Age)

💰 Let’s talk REAL numbers… not social media flexing.

Most people see “average” and think they’re behind… but here’s the truth 👇

⚠️ The average is inflated by ultra-wealthy individuals
✅ The median shows what the real everyday American looks like



📊 NET WORTH BY AGE (2026)

👴 60s
💰 Avg: $1.6M
📉 Median: $291K

👨‍💼 50s
💰 Avg: $1.4M
📉 Median: $193K

👨‍👩‍👧 40s
💰 Avg: $770K
📉 Median: $76K

🧑‍💻 30s
💰 Avg: $322K
📉 Median: $25K

🎓 20s
💰 Avg: $128K
📉 Median: $6.7K



💡 What this REALLY means:

👉 Most people are worth WAY less than you think
👉 Comparison will kill your momentum
👉 Wealth is built over time — not overnight



🏡 Real Talk (This is where I come in):

Real estate is still one of the fastest ways to build net worth
✔️ Appreciation
✔️ Equity
✔️ Leverage

You don’t need to be a millionaire to start…
You just need to START.



🔥 Want to build YOUR net worth faster?

📲 DM me “WEALTH”
I’ll show you how to turn a home into a long-term asset



👇 BE HONEST 👇
Are you above or below your age group median?



The colder it is outside the harder furnaces have to work to maintain the same inside temperature. That can mean higher ...
01/18/2026

The colder it is outside the harder furnaces have to work to maintain the same inside temperature. That can mean higher energy bills..

Winter Heating Tips:

Make sure you have a clean and free flowing filter in your system. A dirty filter or a filter with a high filter rating can restrict air flow costing you money.

Consider getting a programmable thermostat to automatically adjust your thermostat at night or when you're away. Adjusting temps just a few degrees can reduce energy use saving you. You can also manually adjust your thermostat if you don't have a programmable one.

Many utility companies will give you a rebate for installing a programmable thermostat.

Keep the warm air your furnace generates by sealing off drafty windows and doors with inexpensive weather stripping.

Make sure your air returns and vents are fully open. I use inexpensive deflectors on my vents to direct airflow to the center of the room.

Warm air rises. Changing the direction of your ceiling fan can help push warm air down to floor level.

Lastly, set the thermostat back a few degrees and wear a sweater or sweatshirt.

Hopefully, these tips help. Feel free to share.

11/21/2025

Summary based on the $22,000 on debt breakdown

Debt Type
% of Total
$ Amount (Approx)

Credit Cards
25%
$5,500

Auto Loans
40%
$8,800

Student Loans
20%
$4,400

Personal Loans
10%
$2,200

Other
5%
$1,100

Total
100%
$22,000

Almost 44% of Americans say they’re currently in debt, per a recent survey.   • Average non-mortgage (consumer) debt pe...
11/21/2025

Almost 44% of Americans say they’re currently in debt, per a recent survey. 
• Average non-mortgage (consumer) debt per person is ~$22,713, according to recent data. 
• Total U.S. consumer debt (non-mortgage) is very large. 
• LendingTree reports that the average monthly debt payment for Americans is ~$1,597. 
• According to a survey by the CFP Board, reducing debt is the #1 financial difficulty for many Americans, and a large fraction are seeking advice or help.

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El Paso, TX

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