On August 24, 2016, we paid off our last debt. We are completely and totally debt free! Three years ago, we were $5,281,000 in debt and facing bankruptcy. Then, two weeks later, September 2013, Financial Fitness came into our lives. We’ve applied what we’ve learned through the principles of the Financial Fitness Program - we budgeted our money, we saved, and we paid off the loans with the income we made through Tom’s regular work. All the while, we were reading, listening and associating with precious people like our mentors and friends and as a result, we own everything--we don’t owe a bank anything, so we are ecstatic!
Tom and Pat Aul

Tracy and I have been married for 20 years, and during that time, we have always carried some form of debt. At one point in our marriage, we found ourselves being obligated to 20+ creditors and about $40,000+ in debt outside of our mortgage. But because we decided to utilize the Financial Fitness Program and apply its principles, we have been able to eliminate seven of the last eight creditors and the $25,000 that we still had remaining from the original $40,000. However, we didn’t do that without challenges; we had to buy a new car, we had to pay over $1,000 in home repairs, Tracy and I both had medical outpatient surgeries that we had to pay as well. But if it were not for our coaches and mentors, Tracy and I would have probably spent our entire life carrying that debt. We would have been stuck square in the Financial Matrix; but now because of the Financial Fitness Program, we are able to spend the rest of our lives chasing our dreams!
Joe Clark