I’M READY TO BE DEBT-FREE
I’M READY TO BE DEBT-FREE
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HOW REAL PEOPLE FROM ALL INCOME LEVELS ARE SAVING THEIR WAY OUT OF DEBT—FOR GOOD

Discover an unconventional 9-step process for paying down debt, saving up money, remaining debt-free and becoming financially secure without self-deprivation.

I’M READY TO BE DEBT-FREE

Debt is not a way of life ...

But for many people, giving away huge chunks of their paycheck every month to pay off loans and credit card companies is normal.

If you’re here, then you may be one of them.

Why? Partially because we’ve been told it’s normal to have debt. It’s even encouraged.

And partially because everything revolves around money—including your social status. 

Think about it.

Your friends love to go out and have fun. And they spare no expense. 

Grabbing a bite at trendy restaurants with pricey drinks, long-weekend getaways to Miami or expensive spa days with the girls, and splurging on the regular—whether it's shopping along the city’s high-end streets or hosting a get-together for friends at the house where you go all out.

Saying no is hard. 

After all, you want to be included. 

And you definitely don't want anyone to know that you aren't as financially stable or confident as you may seem. 

If anyone found out the truth, you’d be so embarrassed.

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So you say yes out of peer pressure.

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Figure out how to find the funds later.

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And friends and family are (still) none the wiser.

On the outside, you check off every box on the list of "The Perfect Life".

 

A thriving career, comfortable place to live, a life full of small luxuries. 

But with your well-paying job comes with 6 or 7 credit cards you haven't paid off. 

You make decent money and pay bills every month, but you don’t save. You just can’t. 

 

Because the same exact thing happens every 30 days.  

 

The credit card bills all come in at once, and the anxiety starts.

After scraping all your accounts, trading in credit card points for some extra cash, and going through your Venmo and PayPal for spare dollar bills…

You manage to pay the minimum balance on each card (you still can't afford to pay any of them in full).

With that complete, you allow yourself a fleeting moment of relief—because the burden is lifted until the next billing cycle.

So you begin to switch tabs, screens full of bank statements and outstanding debt replaced with Etsy, ModCloth, Zara, Amazon...  

And before you know it, items are piled into your cart, you're checking out, adding more to your credit card balances, thinking to yourself...

"Oh, I'll figure out how to pay it off next month" or even thinking that because you paid off 300 dollars from one card that you now “have the money" to treat yourself.  

The online shopping spree gives you a rush, and you feel elated, carefree and excited for all the packages to be delivered to your door. 

 

But those feelings don’t last long.

Because you took 1 step forward, 5 steps back and will now spend the next 30 days…

 

  • Scribbling calculations in the back of your agenda, trying to figure out how you’re going to be able to make those minimum payments next month 
  • Excusing yourself to the restroom when out with friends and using your bank app to move funds so your card doesn’t get rejected when the bill comes 
  • Working harder and later than usual with the hope that come the end of the year, you’ll get another raise—or a hefty bonus that will “help you catch up” (it won’t, not even close)

 

If you’re ready to break free of this cycle and never get caught up in this financial vortex ever again, then this course has your name on it.

I’M READY TO BE DEBT-FREE
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My name is Karen McCall. Founder of the Financial Recovery Institute and a pioneer in the field of money coaching. 

For over 32 years, I’ve helped people transform their relationship with money in a truly profound way. 

That means I’ve helped them save their way out of debt (yes, you can save while paying off credit cards and loans!), eliminate debt completely and then stay debt-free not just once...
But once and for all.

And before you ask: No, I’m not just another coach who took a finance course in college and is now telling people what to do with their money. 

I’ve taken on hundreds of clients who used to be exactly like me. And I used to be really, really bad with money.

How bad? 

Well, I met my husband in Debtor’s Anonymous

Since then I’ve erased thousands upon thousands of dollars in debt and incredible stress. By eliminating old patterns and shifting my spending habits, I was able to regain control of my finances.

This financial freedom gave me immediate access to more opportunities than I ever had before, and from that point on I experienced an incredible domino effect in my life. 

Once I began taking the steps towards healing my relationship with money, I realized I finally had the power to leave my soul-sucking job.

This allowed me to start a business that fed my soul, filled my bank account and blazed the trail for a whole new industry—money coaching. 

Running my business empowered me to help my adult children and grandchildren, both emotionally and financially. 

And through my work, I’ve been able to help thousands of people who were struggling with debt finally break the cycle once and for all. 

Witnessing this transformation inspired other people to delve into the money coaching space, creating a successful profession that was not only empowering, but paid well and genuinely transformed the lives of others.

Today, I’ve witnessed thousands of people eliminate their debt, and have personally taught hundreds of other world-class coaches how to use my system to help their clients become debt-free,

All this to say…

 I know exactly what it takes to help you create a profound transformation with lifelong results. 

I even train other world class money coaches around the world on my philosophies and teach them my process. 

A process that’s not only been proven to work time and time again, but is unconventional—almost counterintuitive. 


Which means that the valuable advice I give can't be found on the first page of Google or an eBook you downloaded off Amazon.

I know you can get out of debt, stay out of debt, and create the life you truly deserve. More importantly, I know how.

Because I’ve done it myself, and I’ve helped thousands of people just like you do it, too. Now it’s your turn.

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If you live in America, chances are you’re in a long-term love/hate relationship with that plastic credit card.  

Here are a few staggering statistics: 80% of Americans have credit cards, ⅕ owe more on credit cards than they have in savings, and 75% take their debt to the grave.

It seems extreme. But it all begins innocently enough.

Maybe you opened your first card to help pay for your college degree. Books, classes, transportation. Back then, it was a necessity. 

After graduating and getting a good job, you got another card “for convenience”. It felt nice to replace dollar bills and loose pocket change with a card that essentially had a few thousand dollars on it. And 0% APR.

You swore you’d pay everything off and close the card before the interest kicked in...

But then an unexpected situation came up that you weren’t prepared for. You needed to pay for a big medical bill, an urgent car repair, or your brother got himself into a financial bind. So you got another card to handle it.

After that, it became a slippery slope.

Cards were opened, maxed out, and outstanding debts were moved to new cards with 0% APR—and a higher credit limit.

Higher limits created a sense of relief because it felt like you were being “gifted” more money. But it only pulled you deeper and deeper into an addictive cycle.

Until suddenly you’re 7 maxed out credit cards in the hole.

All that swiping came with a big cost.

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“I really like Karen’s teaching style. It’s relatable but at the same time, it’s very apparent how knowledgeable she is  about her topic! I find Karen to be so compassionate and  non-judgmental. I feel like her tone makes it very easy  for people to look at their money with her.”

Kadidja Yansane
Business Coach

Is it unconventional? Yes. 

But does it work? Absolutely! As a pioneer of the money coaching industry, I’ve been using this system for over 30 years with my own clients from all walks of life and financial backgrounds. And I’ve gone to teach other world class money coaches how to use it for their own clients. That’s how effective it is. 

All it takes is just 9 steps. Follow them…

 

And you can be debt-free for life.

 

That means all the money you receive every month finally belongs to you—and only you.

 

Every few weeks extra money will pile up into your account, and you’ll go from, “It’s nice having this extra cash to budget.” to “Holy cow there are opportunities everywhere! What do I do? I could do this, or that, or the other thing.”

 

You can finally sleep through the night, feeling light as a feather under those covers because you don’t owe a penny to the world.  

 

Put your foot down at your job without fear of being fired, because you have enough money to cover 6 months of expenses stashed away.

 

Go out to lunch or buy weekly groceries, and swipe your card with confidence—without needing to check your account balance beforehand.

 

Begin thinking for the long-term—not just figuring out how to get through the next 30 days. Buying a house, sending the kids to university or building a nest egg suddenly becomes a real possibility.

 

Gain full control over your money. No more maxed out credit cards. You’re able to make strong, smart and empowering decisions about your finances. And you can confidently treat yourself without “going overboard” and entering a new cycle of debt.

 

Start building your wealth. Learn to invest, bulk up your savings account, max out that 401k, get in on the stock market, and find other streams of income.

 

With no debt and three savings accounts, there will never be another emergency—just unexpected situations that you’re more than prepared for.

 

Will you still get to go on nice vacations, stay in hotel rooms with a view and treat yourself at trendy restaurants? Of course. The only difference is that you won’t suffer from a financial hangover when all is said and done. 

 

Being free of debt results in a sense of liberty that money simply can't buy.
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Karen McCall’s program, Saving Your Way Out of Debt, has changed our life. For the last 20 years, we have put every bonus or surge of money into paying off debt. Only to be left with more debt as unexpected expenses occurred, which left us feeling out of control and crippled with anxiety.

With Saving Your Way Out of Debt, we were finally able to focus on creating a savings account. When unexpected expenses came up, we simply replenished our savings. The clarity and sense of control we have now is incredible—no more anxiety about how we’re going to pay for things down the road. We have savings and a foundation for whatever comes our way…

Kate Saint Clair
Author

You’ve waited long enough to experience this magic for yourself. Don’t you think?

Saving Your Way Out of Debt™

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This unconventional, 9-step method will show you exactly how to start saving while paying down debt—without self-deprivation or dramatic lifestyle changes.

I’ve condensed over 30 years of financial counseling experience into these 9 steps, so you can get started on tackling your debt as quickly, easily and efficiently as possible. 

With simple videos, worksheets, and exercises, each of these tangible steps come together to create a model that can transform your bank account. 

And then the rest of your life.

Now, it might sound like I’m exaggerating. But when you finally escape the cycle of debt, you’ll understand how you’ve opened yourself up to a better future—financial security, peace of mind, and the ability to do anything you want with no monetary setbacks.

This course is available now for an extremely affordable price of just $97.

Saving Your Way Out of Debt™  is a revolutionary process for how you can get out of debt, and, maybe for the first time in your life, develop a plan for saving that really works!

I’M READY TO BE DEBT-FREE

Sign up for Saving Your Way Out Of Debt™  today, gain immediate access to all the content and start learning the 9 steps to a debt-free life.

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STEP ONE

Understanding

Build the foundation of strength and knowledge you need to never get caught in the cycle of debt again. You’ll see that no matter how much money you may owe, it’s always possible to regain hope. And it usually happens faster than you thought possible!

STEP TWO

Getting Conscious, Clear & Connected

Learn to track the money coming in and out of your bank accounts. This simple act will not only transform your finances, but empower you to make stronger financial choices with ease while also feeling happy with your decisions.

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STEP THREE

Getting Smart & Seeing the Possibilities

Create a spending and income plan that helps you save money and pay off debt without giving up all the things you love. This is another powerful step towards learning how to intuitively make more rewarding choices with money. From here on, making these kinds of decisions only becomes easier and more satisfying.

STEP FOUR

Stop Digging & Stabilize

You’ve made great progress so far! In this module, you’ll learn how to balance your finances. This means you can finally have a peace of mind, knowing that no matter what happens you will always be able to financially care for yourself. This level of security is life-changing in the most amazing way possible.

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STEP FIVE

Start Saving

Discover the real reason why having a savings account is critical to successfully paying down debt—despite conventional wisdom claiming otherwise! You’ll also learn how to responsibly balance saving and spending while still rewarding yourself with life’s little luxuries. Repeat after me: Self-deprivation is not necessary for success.

STEP SIX

Finding Money for Savings & Debt Reduction

Experience the excitement of quickly paying down debt while still treating yourself and having fun in your day to day life. When you’re able to enjoy life while saving, making financially responsible choices becomes second-nature to you, not just a short-term fix.

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STEP SEVEN

Becoming Debt-Free

It’s time to become debt-free once and for all! You now have a positive, confident and healthy relationship with your money. You should be incredibly proud. Break the cycle of debt for good and begin living a lifestyle of financial freedom.

STEP EIGHT

Staying Debt-Free

With your debt now gone, there are many new, exciting opportunities to explore. As you move forward, you’ll feel happy and secure knowing that you have full control over your finances and can make fun and empowering decisions to enjoy life and remain debt-free.

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STEP NINE

Life After Debt

With your true needs met through the Financial Recovery Process you've created, you can now put your financial, emotional, and spiritual energy to work in new and rewarding ways. The possibilities are limitless, and I can’t wait to see what happens next.

I’M READY TO BE DEBT-FREE

Sign up for Saving Your Way Out Of Debt™  today, gain immediate access to all the content and start learning the 9 steps to a debt-free life.

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MODULE ONE

Understanding

Build the foundation of strength and knowledge you need to never get caught in the cycle of debt again. You’ll see that no matter how much money you may owe, it’s always possible to regain hope. And it usually happens faster than you thought possible!

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MODULE TWO

Getting Conscious, Clear & Connected

Learn to track the money coming in and out of your bank accounts. This simple act will not only transform your finances, but empower you to make stronger financial choices with ease while also feeling happy with your decisions.

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MODULE THREE

Getting Smart & Seeing the Possibilities

Create a spending and income plan that helps you save money and pay off debt without giving up all the things you love. This is another powerful step towards learning how to intuitively make more rewarding choices with money. From here on, making these kinds of decisions only becomes easier and more satisfying.

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MODULE FOUR

Stop Digging & Stabilize

You’ve made great progress so far! In this module, you’ll learn how to balance your finances. This means you can finally have a peace of mind, knowing that no matter what happens you will always be able to financially care for yourself. This level of security is life-changing in the most amazing way possible.

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MODULE FIVE

Start Saving

Discover the real reason why having a savings account is critical to successfully paying down debt—despite conventional wisdom claiming otherwise! You’ll also learn how to responsibly balance saving and spending while still rewarding yourself with life’s little luxuries. Repeat after me: Self-deprivation is not necessary for success.

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MODULE SIX

Finding Money for Savings & Debt Reduction

Experience the excitement of quickly paying down debt while still treating yourself and having fun in your day to day life. When you’re able to enjoy life while saving, making financially responsible choices becomes second-nature to you, not just a short-term fix.

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MODULE SEVEN

Becoming Debt-Free

It’s time to become debt-free once and for all! You now have a positive, confident and healthy relationship with your money. You should be incredibly proud. Break the cycle of debt for good and begin living a lifestyle of financial freedom.

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MODULE EIGHT

Staying Debt-Free

With your debt now gone, there are many new, exciting opportunities to explore. As you move forward, you’ll feel happy and secure knowing that you have full control over your finances and can make fun and empowering decisions to enjoy life and remain debt-free.

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MODULE NINE

Life After Debt

With your true needs met through the Financial Recovery Process you've created, you can now put your financial, emotional, and spiritual energy to work in new and rewarding ways. The possibilities are limitless, and I can’t wait to see what happens next.

I’M READY TO BE DEBT-FREE

 

I've included this process with my clients, and the've finally been able to create the lasting habit of savings while also starting to pay off their debt. Saving Your Way Out of Debt ensures you don't the habit cycle of debt going; instead, you save for what is expected. This is so key to my clients's success!

Linda Palmer
Certified Money Coach

Here’s what makes this course so different from everything else on the market. 

You’ll learn how to eliminate debt while saving money (already a revolutionary concept), and also learn how to live free of debt even if you’re not yet debt-free.

This means your transformation starts the moment you download the course.

Because being debt-free is not something you just do—it’s a lifestyle that we start preparing you for with the very first video.

It doesn’t matter how much debt you’re in or how much money you’re making.

Saving Your Way Out of Debt™  is a practical system I have used for over three decades with people from all walks of life and financial backgrounds.

That means if you follow the steps, it will work. 

This course is truly for everyone, including money coaches, financial professionals, mental health professionals, and life coaches looking to bring these revolutionary teachings and methods to their clients. 

This course is a chance to become debt-free for good, and live a life full of opportunities unhindered by crippling debt or financial worries.

SAVING YOUR WAY OUT OF DEBT™  contains over 30 years of financial expertise condensed into 9 tangible, highly-effective steps. 

Download today and start saving money, paying off debt, transforming your financial lifestyle and doing the deeper work to discover the real reason you’re trapped in the cycle so you can break free once and for all.

I’M READY TO HELP YOU TO CREATE THE LIFE YOU DESERVE.

LET’S GET STARTED. 

I’M READY TO BE DEBT-FREE
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