Debt-to-Wealth Blueprint™
A practical, no-nonsense money foundation for everyday earners — designed to help you meaningfully improve your Debt-to-Income (DTI) over the next 18 months.
Live teaching + worksheets + calculators + clear actions each week. Recordings included.
Who This Is For
Students, early-career professionals, mid-career earners, and retirees who want practical financial clarity.
Start with the right system
Learn the basics that prevent debt spirals and build confidence from your first income.
Stop the paycheck treadmill
Create margin, pay down high-interest debt, and build a plan you can actually follow.
Simplify and protect
Strengthen cash flow systems, reduce stress, and improve flexibility for the next phase.
Get out of consumer debt
Build a payoff plan that reduces interest drag and frees cash flow.
Qualify for mortgage or refinance
Understand what lenders look for — and how DTI impacts approvals and pricing.
Prepare to invest
Build the buffer + behavior so investing becomes sustainable — not stressful.
Program Structure (4 Weeks)
Each session builds toward improving your Debt-to-Income ratio over 18 months.
Know Your Numbers
Financial Baseline & DTI Awareness
- What Debt-to-Income really measures
- How lenders view your financial profile
- Net worth vs cash flow vs DTI
- Spending patterns that create debt
Outcome: You know your exact DTI and what drives it.
Create Margin
Debt Strategy & Cash Flow Control
- Good debt vs bad debt
- Snowball vs avalanche payoff strategies
- Interest mechanics
- Payment restructuring
Outcome: You leave with an 18-month debt reduction plan.
Make Your Income Work Harder
Income Efficiency & Smart Allocation
- Savings rate optimization
- Employer benefits (401k, HSA, ESPP)
- Emergency fund vs investing
- Avoiding lifestyle inflation
Outcome: You use income intentionally instead of reactively.
Turn Knowledge into Trajectory
Systems & 18-Month Roadmap
- Automation & financial systems
- Credit improvement strategies
- Emergency buffers
- Personal 18-month roadmap
Outcome: You leave with a clear financial plan and execution system.
Enroll
One cohort. Clear system. Real momentum.
FAQs
Quick answers for everyday earners.
Do I need to be “good with money”?
No. This is built for real people. You’ll leave with a simple system and a plan.
Is this for people with high income?
It’s for everyday earners — the goal is improving DTI through structure and behavior.
What if I miss a live session?
Recordings are included, so you can stay on track.