Thirty minutes with Sam, your actual numbers, and a projected debt-free date calculated on the call. Most people I coach earn well and still feel behind — the income was never the problem, the order of operations was. No pitch, no pressure, no intake form.
If any of these hit close to home, you're in the right place.
"I make decent money but my balance never actually goes down."
"I've tried every budgeting app. Nothing sticks past week two."
"On paper I'm doing fine. That's exactly why I can't talk to anyone about this."
Move the sliders to see exactly what a plan does to your timeline.
Want to understand how we calculate this? See the math →
Weighing a loan or balance transfer instead? Try Before You Borrow →
30 minutes. Your actual numbers. An honest assessment — whether coaching makes sense or not.
Interest rates, balances, order of payoff — we map it all in the first few minutes so nothing is guesswork.
Not a range. An actual month and year based on your real numbers — before we hang up.
Most clients are surprised. We find the specific places money disappears that aren't obvious on a bank statement.
We'll tell you directly whether coaching makes sense for your situation — and if not, we'll say so.
No follow-up sales sequence. No aggressive emails. If we're a fit, you'll know. If we're not, you'll leave with more clarity than you arrived with.
Three steps. Real progress. No fluff.
Your numbers, your situation, your debt-free date — calculated live. We'll also walk through which payoff route actually fits. No intake form, no assistant. Sam picks up or texts back same day.
A 90-minute deep-dive session. We build your exact roadmap using the Goalpost Method: every debt, in order, with the right monthly targets — and a date you can actually hold to.
Check-ins every two weeks. The plan adjusts when life changes. Someone actually follows up — because knowing the plan and sticking to it are different things.
I spent 10+ years coaching athletes and students to hit their goals. Same system. Different playing field. I help people get out of debt the way coaches get people to the finish line — not with a generic plan from an app, but with a real roadmap and someone who actually holds you to it.
No commissions. No product sales. No hidden agenda. I get paid to help you win — and have zero incentive to do anything else.
I'm a private person and I respect confidentiality — so I won't share names or details. But here's what some folks have passed along about working together.
"He was very calm and patient throughout the entire process and I felt no judgment at all. I would recommend him to anyone who is sick of being in debt."
"I wasn't sure if I could afford a coach. The call showed me I couldn't afford not to. Having a real date to aim at changed everything."
"For the first time I had a plan that was actually mine — built around my real numbers. Not a generic template. Mine."
Two plans. Same coaching. No upsells or hidden fees.
Not sure which plan fits your situation? That's what the free call is for. We'll look at your numbers together — no pressure, no upsell. See everything included →
Download the free 30-Day Debt Payoff Guide — the same framework I use with clients. Week-by-week, with checklists you can follow today.
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This practice is built so there's no conflict between what's good for you and what's good for us.
We don't earn a dollar from any tool, lender, or service we mention. Not now, not ever.
No "preferred partners," no co-branded deals, no quiet arrangements. None.
Your situation, your progress, and your name stay between us. Not a case study, not a testimonial video, nothing.
Book a free 30-minute call. We'll look at your actual numbers, calculate your debt-free date, and tell you honestly whether coaching is the right move for your situation.
Or call directly: (863) 256-2406