Marcus Garrett is the author of D.E.B.T. Free or Die Trying and creator of D.E.B.T Free: A 4-week Starter Kit: A simple, 4-step plan to accomplish your own debt-free goals.
I lived paycheck-to-paycheck for a decade. In the absence of sustained income, I funded $30,000 in miscellaneous misadventures on credit cards and personal loans as early as age 18. But all good things must come to an end, or a credit limit.
I reached rock bottom when I was rotating 0% interest offers and begging creditors for consolidation loans. At 27, I finally started adulting and put together my first budget and debt-free plan. This book summarizes my 4-step roadmap.
- D. – Define the Problem
- E. – Establish a Plan
- B. – Build a Budget
- T. – Trust the Process
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