Debt Free Millennials

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Debt Free Millennials Achieve financial confidence and crush debt that leads to more fun and fewer payments. Debt has plagued our generation and it's time to take it by the kahunas!

Debt Free Millennials is on a mission to help millennials live a full rich life by dumping debt, saving consistently and spending like a boss. This community is about lifting each other up, kicking debt's ass and learning a few money tricks along the way.

09/09/2026

A financial advisor can cost you a ton of money. Let's say you invest $100,000 for 40 years with a 7% market return. You'd end up with $1.5M. But if you pay a 1% fee along the way each year, that's only a 6% return. Instead of $1.5M, you'd end up with $1M.

Think the advisor is worth $500k? Not to mention, you meet with them once, maybe twice a year just to look at your retirement. That’s over $6K per meeting 🤯 and you haven’t even talked about the minivan, house down payment, or overspending on coffee.
wealth.architect solves this problem by giving you a real plan that updates daily, without paying expensive advisor fees. I was able to plug in my accounts and get clear next steps for how to achieve my goals faster without looking at any graphs or charts.

✨ Check out the Wealth Architect app for free to stop staring at dashboards and start making better decisions: https://go.wealtharchitect.ai/justine

Thank you .co for including me in the Finance 50 list this year! The list includes creators who make money topics more u...
07/27/2026

Thank you .co for including me in the Finance 50 list this year! The list includes creators who make money topics more understandable, useful, and honest about tradeoffs.

My channel is focused on debt payoff guidance, budgeting systems, and featuring budget reviews of real people. I love meeting millennials and guiding them through the financial steps they can take to pay off debt AND enjoy their life.

Shoutout to some of my friends who made this list: .co

The goal will always be to help you build better budget behavior to achieve financial confidence and crush debt. Whether you've watched a video, bought my budget template, or worked with me one-on-one, thank you for being part of this community!

04/03/2026

Do you grab your drive-thru coffee and ever think, “I’m probably spending WAY too much money on this”??

My next guest knew she had a Dunkin Donuts habit, she just didn’t realize that it was costing her nearly $400 per month.

How much are we spending on a single coffee nowadays? I know I’ve spent close to $7 on a single drink but oof, this is high.

03/29/2026

Health savings accounts can dramatically improve how you pay for medical expenses.

I go over how we spent $8k using a HSA in one year over on my YouTube channel!

They offer tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses. Over 36 million accounts are active in the US. Do you have one?

03/14/2026

Sinking funds have saved me countless times. Here’s what I use them for:

Car insurance premiums (I pay every 6 months)
Clothes
Home upgrades
Vacations
New car
HOA dues
Property taxes
Shopping

As you can see I’m a big fan.

Determine the goal amount.
Determine the end date.
Divide goal amount by number of months to end date. That’s the monthly contribution you’ll need.

I go into more detail in my latest video with a complete breakdown of my Super Budget Template!

03/02/2026

Most people pick the wrong tool to build credit.

Credit scores can impact your ability to buy a house, get favorable terms on your next car loan, and even determine your next job in some cases. Improving your score is much different than just checking it, so you’ll want to compare SmartCredit and Credit Karma to make the most of your strategy.

I go deeper into the major differences on my YouTube channel so you’ll wanna check that out before deciding. Link to my channel is in my profile!

Wishing you and yours a very merry Christmas 🎁🎄
12/25/2025

Wishing you and yours a very merry Christmas 🎁🎄

Are you free tonight?? Join my LIVE on YouTube today 9/29 at 8:30pm CST to talk budgets!This is the *perfect* time to go...
09/30/2025

Are you free tonight?? Join my LIVE on YouTube today 9/29 at 8:30pm CST to talk budgets!

This is the *perfect* time to go over your budget since it's the end of the month. I'll be sharing my 3 biggest beginner mistakes I made with my budget that derailed my financial progress so you can avoid them and move faster than me! Plus, you'll hear about a fun way to work directly with me on your finances that includes some giveaways at the end of our live.

I hope you'll join me, so crack open those budgets fam!

Click this link to join me live --> https://youtube.com/live/3kroslFF8xE

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09/22/2025

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Many millennials with solid incomes still feel overwhelmed by debt payments, rising costs, and a budget that never seems...
09/20/2025

Many millennials with solid incomes still feel overwhelmed by debt payments, rising costs, and a budget that never seems to stick. Shame loves to creep in here — but this isn’t a character flaw; it’s a systems problem, and it’s fixable. 

Here’s what I see most often:
❌ No clear plan that prioritizes goals (so the loudest bill wins). 
❌ Debt siphoning energy and choices — even when income looks great on paper. 
❌ A budget that feels restrictive, so it gets abandoned… then the cycle repeats. 

What you actually need isn’t more hustle — it’s a simple framework + accountability so you can live well and hit your financial goals.

👉 That’s exactly why I created the DFM Group Coaching Program, an 8-week experience starting October 1. It’s designed for high-income earners who are ready to finally get control of their spending, pay off debt faster, and feel confident about money again — all without compromising their lifestyle.

The program is built on my 6-part framework, the DFM Money Method.
It’s a proven step-by-step path to get out of financial overwhelm and into real confidence. 

Over 8 weeks together, you’ll learn how to control spending without the guilt, build a realistic budget, and create a debt payoff plan that actually moves. Most importantly, you’ll repair your relationship with money so it supports your lifestyle instead of fighting it. 

Because this is a small group, you’ll get high-touch coaching and a non-judgy space to finally make changes that stick. Think “big sister energy”: honest, transparent, and fun — minus the finger-wagging. 

Tap the ⚡️GROUP link in my bio to apply and I’ll reach out with next steps.

Cheering you on!

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Portland, OR
97086-97299

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