Our Debt-Free Story


We made some really lame financial decisions in the first few years of our marriage. When we finally got serious about creating a game plan, we started to change our marriage, and our family tree.

We paid off $39,772.05 in 23 months.

The journey is far from over, but we’ve kicked it in the pants and are now debt-free. It’s not been easy, but it’s sure been rewarding. We’ve been able to do some pretty cool things since paying off our debt like: Having a baby, Kelsey switching to part-time, Eric becoming a Financial Coach.


It’s Your Money: What Will You Do With It? We were a few years out of college with a brand new house we could barely afford and nearly $40,000 in debt. After overspending $1,500 one month, we decided to clean up our act before starting a family and spent the next 23 months digging our way out of debt on a very average household income. This book will tell you how we did it and give you practical steps on how you can do it, too.

You might be frustrated with all of the money advice you get. It can be very pointed and opinionated. But there is usually more than one way of doing things. While understanding financial principles is great, you’ll ultimately have to discover what works for you and your money. It’s Your Money is a book with two parts. The first part tells our’ story, filled with money lessons we learned throughout our early adult life – how we ended up in debt due to financial mistakes and lessons we were never taught growing up. Part II is filled with practical action steps to help you get a handle on your own finances and start developing a plan to help you achieve your goals. You’ll be motivated and inspired to win with your money.

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Eric was interviewed by Jess Lively for her podcast “The Lively Show.” She had this to say about our story…

After reading this book, I was so inspired by his story that I spent the rest of the day with my husband reevaluating our finances.

Since then, we have killed two(!) student loans and are now substantially saving for a new home in the next two years.

I can quite honestly say that his story has made a profound and positive impact on our financial future…
-Jess Lively (with-intention.com)
Check out the podcast and show notes from the Lively Show

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  1. I first heard about FPU through your blog a while back. My husband and I are taking it (just finished Dumping Debt” and it is amazing! Thank you so much for posting about it! If you two hadn’t posted, my husband and I would probably still be putting ourselves in debt. We’re expecting out first child Mid-April so this is a great time to get a hold of our money!

    • Bekah! That is so awesome. Thanks for sharing. Getting control of your money will be a huge blessing for your little one.

  2. I was doing some reflecting today and realized it was your blog and Justin Bennett who gave me the courage and motivation to pay off $11,621.23 in 7 months :) I have quite a bit more to go, but I am so proud! Thank you Kelsey and Eric! I truly enjoy reading your blog and applying pieces of your life into mine. I am teaching Financial Peace University (we are on week 6!) and I can see how the class has helped others. So I feel like you have “paid it forward” with your blog and have touched so many lives! Thank you!

    • That’s awesome Shawna! Thanks for sharing. It’s always great to hear from readers and that we are helping make a difference.

  3. Absolutely love this! I’m excited that I can be a part of the journey moving forward.
    P.S. I may need you guys to help me start blogging :-)