Paying Off Debt = Having More Confidence

15 Apr 2025 · 1 min

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1:17

In this personal testimonial, the speaker recounts the severe financial stress they and their partner Jared experienced before joining the "101" workshop, describing how discussions about money often ended in conflict. After attending the workshop, they committed to the program, received guidance and encouragement, and managed to eliminate all their debt—including two student loans, two car loans, multiple credit cards, and a personal loan—within just under two years. This debt‑free breakthrough boosted their confidence, enabling them to purchase a home, later build a new house while keeping the first as a rental property, and afford regular travel between Hawaii and the mainland to stay connected with both families. The speaker expresses deep gratitude for the education received through 101 and the positive transformation it sparked in their financial and personal life.

Chapters

Prior to 101, we were stressed. We were hopeless about our financial future. Jared and I could hardly even talk about money without one of us getting upset and leaving the room. When you're stressed about money, it robs you of every joy that you can possibly experience. Then we were invited to a workshop and we left that workshop and I was like, Jared, we are enrolling. We are doing this. We have nothing else to lose. They guided us, they encouraged us, they pushed us, and we were able to pay off all of our debt in just under 2 years. 2 student loans, 2 car loans, 3 credit cards. Maybe there was more, 4 credit cards and a personal loan. Just felt like we can do this. We gained so much confidence in our life and felt like we can give our kids a really good life. We can have a really good life for ourselves. It's able to purchase a house. And then a few years later, we were able to build this house that we're in now and keep the other house as a rental. We've been able to travel back and forth from Hawaii to the mainland. Both of our families are in different places, and we're just so, so grateful. We all deserve this education, and I'm so grateful for 101 and so grateful to be a part of it.