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Families helped out of debt
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Start here
Most people do not need all seventeen of these. They need these three, in this order. Everything below is there when you are ready for it.
01
If your emergency fund is sitting in a regular checking account, it is losing value every month. This is the easiest money move there is.
Compare savings accounts02
Ten to twelve times your income, term only. It costs far less than most people assume, and it is the difference between your family grieving and your family scrambling.
Compare term life03
State minimum keeps you legal. It does not keep you safe. One serious accident on minimum coverage can undo years of work.
Compare car insurancePhase 1. Before you build anything, make sure one bad day cannot take it away.
Compare term life quotes from multiple carriers. Term only - never buy a policy that bundles in an investment.
Compare quotesWrite a will, name a guardian for your kids and set up a power of attorney without paying attorney rates.
See optionsState minimum keeps you legal. It does not keep you safe. Compare real coverage across carriers.
Compare ratesYour home is usually your biggest asset. Check that what you are paying for actually covers replacing it.
Compare ratesIf you rent, your landlord's policy covers the building, not your things. This is cheap and almost nobody has it.
Get coveredYou are far more likely to lose your income to injury or illness than to die from it. Protect the paycheck.
See optionsMonitoring and recovery help if someone opens credit in your name.
See optionsPhase 2. If the payments have gotten bigger than the plan, there is help - but read how each option works before you sign.
If you are drowning and cannot see a way out on your own, compare programs that negotiate what you owe. Understand the fees and the credit impact before you enroll - this is a last resort, not a first move.
Compare programsIf you owe the IRS and the letters have started, these firms negotiate payment plans and settlements. Check their fees carefully.
See optionsPhases 1 and 3. Where your emergency fund lives, and what you use to run the plan.
Your emergency fund should be earning something while it sits there. Compare high-yield savings accounts.
Compare accountsNo overdraft traps, no monthly fees for keeping your own money somewhere.
Compare accountsA budget you keep is better than a perfect one you abandon. Find the tool that fits how you actually live.
See optionsPhase 4. Once you are out of debt and your savings are covered, this is where the growth happens.
Low-cost brokers for long-term, boring, consistent investing. Not day trading, not options, not crypto gambling.
Compare brokersIf your situation has gotten complicated enough that you want a professional in your corner.
Find an advisorIf you are building something of your own, keep it separate from your personal money from day one.
Set up the LLC properly so your personal assets are not on the line.
Get startedPlenty of companies will pay to be recommended. Most of them are not here. If a product works against the plan I teach - settlement companies that wreck your credit, loans that put you back in debt, insurance sold to you as an investment - it does not go on this page no matter what it pays.
These links do earn me a commission, and that is exactly why I am telling you so plainly. Use them or do not. Either way, go compare before you sign anything.
