A Custom Payoff Plan
Built around YOUR income, YOUR debt, YOUR life. Not a generic spreadsheet template. We'll create a plan that actually fits your situation—because no two debt situations are the same.
Hire a Debt Coach — Get a Real Plan and Get Out of Debt
You've tried figuring this out on your own. You've made spreadsheets. You've started budgets. Something keeps getting in the way — and the debt stays. Hiring a debt coach is how you stop spinning your wheels and start making real progress. I'm Sam — and I'd love to help.
No commitment. No pitch. Just a real conversation about your debt.
What You're Actually Getting When You Hire a Debt Coach
Someone in Your Corner
Bi-weekly calls, unlimited text/email support. You're not doing this alone anymore. When you hit a roadblock, when you're struggling, when you need a pep talk at 2am—I'm here.
Your Exact Debt-Free Date
In your first session, you'll know the exact month and year you'll be done. Having a real date changes everything—it's no longer an abstract goal, it's a target you can aim at.
Accountability That Actually Works
Studies show people with accountability are 2-3x more likely to reach their goals. That regular check-in, that shared commitment, that person who asks "how did you do this week?"—it works.
Is This the Right Time to Hire a Debt Coach?
✅ You're ready if:
- • You're tired of going in circles with debt
- • You make decent money but can't seem to get ahead
- • You've tried budgeting apps and they haven't worked
- • You want a real human to look at your numbers with you
- • You're ready to commit for at least a few months
❌ You might not be ready if:
- • You're looking for a quick fix or magic solution
- • You're not willing to make any changes to your spending
- • You're already managing your debt fine on your own
What Hiring a Debt Coach Looks Like — Step by Step
1
Free & No Commitment
Book Your Free 30-Minute Call
No commitment, no pitch. Just a real conversation about your debt and whether coaching could help.
2
Session 1
We'll Review Your Full Debt Picture Together
All your balances, interest rates, income, spending patterns—everything. You'll walk away from that first session knowing exactly where you stand.
3
Your Custom Plan
If It's a Good Fit, You'll Get a Custom Plan and We Get Started
Your personalized payoff strategy, your exact debt-free date, and your first month's action steps.
4
Ongoing Coaching
Bi-Weekly Calls Keep You on Track
Every other week, we review your progress, troubleshoot obstacles, celebrate wins, and adjust the plan if needed.
🎉
The Goal
You Hit Your Debt-Free Date
Not "someday." Not "eventually." On the exact date we calculated together. Financial freedom achieved.
Not sure if coaching is right for you? See how debt coaching compares to credit counseling — or see the full pricing breakdown.
Choose Your Plan
Monthly Coaching
$400
/month
- 90-minute initial financial assessment
- Bi-weekly coaching calls (30-45 minutes)
- Custom budget and debt payoff plan
- Unlimited text and email support
- Monthly progress tracking
- Cancel anytime with 7 days notice
Best for: People who want to try coaching before committing to a longer plan.
Start Month One6-Month Package
$300
/month
Most Popular — $1,800 total
- Everything in monthly coaching
- 6-month commitment
- $300/month billed monthly
- Extended accountability for lasting results
- Priority scheduling
- Best for $20k–$50k+ debt
Best for: Anyone serious about getting out of debt. Six months is where real momentum builds.
Build the Habit12-Month Package
$250
/month
Best Value — $3,000 total
- Everything in monthly coaching
- 12-month commitment
- $250/month billed monthly
- Maximum accountability
- Fastest response times
- Best for $30k–$80k+ debt
Best for: Anyone with larger debt loads who wants a full year of support and accountability to finish the job.
Trust the ProcessAll plans billed monthly. No lump sum required. No upsells, no hidden fees. Just coaching.
Frequently Asked Questions
How do I know if I need a debt coach or can do this myself?
If you've been trying to pay off debt for more than 6 months and the balance hasn't moved, that's a sign you need a different approach. A coach isn't for people who are bad with money — it's for people who need a real system and someone to keep them accountable.
What makes a good debt coach?
Transparency, a track record of results, and a real human relationship. You want someone who will tell you the truth, not just what you want to hear. You want someone who cares about your success as much as you do.
How fast will I pay off my debt with a coach?
Most clients pay off debt 2-3x faster than they would going it alone. Your exact timeline depends on your balance and income, but we'll calculate it in session one. The speed matters because it keeps you motivated—knowing you're actually making real progress changes everything.
Is hiring a debt coach worth the cost?
Compare the cost of coaching to what you're spending in interest every month. For most people with $15,000+ in debt, coaching costs less than the monthly interest. For a full breakdown of plans and pricing, see how much a debt coach costs. Plus, you'll likely pay off your debt faster and build habits that keep you debt-free for life.
Do you only work with people in Florida?
No — I work with clients nationwide virtually. All sessions are by phone or video, so geography doesn't matter. I've helped people from California to New York, and everywhere in between.
Your Coach
I'm Sam. I spent 10+ years coaching athletes and students to reach their goals. Now I apply that same approach to helping people get out of debt.
🎓 Business Education
Bachelor's in Business Administration with training in finance, accounting, and economics.
🏆 10+ Years Coaching
10+ years coaching athletes and students. I know how to motivate people and build accountability.
💳 Real-World Experience
Worked in credit repair and saw firsthand how debt destroys lives—and how the right plan fixes it.
🎯 Same Playbook
The coaching skills that help athletes win are the same ones that help people get debt-free.
I'm not a licensed financial advisor. I'm a coach who helps people build budgets, pay off debt, and take control of their money.
Learn More About Sam →What Clients Say
"He helped me during a financial crisis and helped me allocate my resources."
"He was calm and patient—and I did not feel judgment at all."
"I would recommend him to anyone sick of being in debt and living paycheck to paycheck."
Ready to Hire a Debt Coach?
Start with a free 30-minute call. We'll talk about your situation, answer your questions, and figure out if coaching is right for you. No pitch. No pressure. No obligation.
If coaching isn't the right fit, I'll tell you honestly—no hard sell.
📅 Book Your Free 30-Minute CallPrefer to send a message? Contact Sam here. Or call (863) 256-2406.