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Debt Free Climb

One Millennials journey from debt to debt free

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Intentional Decisions

My 2019 House Hacking Review

December 26, 2019 by Gary

As 2019 comes to an end, I wanted to take the time to review my House Hacking results for 2019. I bought my house in late 2018 with the plan to rent out my spare bedrooms to offset the cost of owning a home. My goal was to reduce my most significant expense (housing) to […]

Filed Under: Intentional Decisions Tagged With: Airbnb, House Hacking, Largest Expense, Roomates

Avoid Complacency & Optimize The Easy Stuff

September 17, 2019 by Gary

Avoid Complacency

When I was on my Debt Free Climb, I developed a habit to start tracking my income and expenses closely. By tracking my money, I avoided complacency because I was hyper-aware of where my money was going. I analyzed spending trends which helped identify ways to adjust/eliminate waste in my financial life. Due to my […]

Filed Under: Intentional Decisions Tagged With: Avoid Complacency, Optimize, Reduce Expenses, Shop Around

5 Things I Didn’t Expect When Planning for my Wedding

September 9, 2019 by Gary

planning wedding

We are about four months away from our wedding, and finalizing the last half of planning. When I first proposed to my fiancee, I thought I had a decent idea of what to expect regarding wedding planning. I had observed both my older sisters get married when I was younger. However, even though I thought […]

Filed Under: Intentional Decisions Tagged With: Wedding Expenses, Wedding Planning

Wedding Planning & Honeymoon Update

July 19, 2019 by Gary

debtfreeclimb wedding Honeymoon travel hacking

I can’t believe it, but I am 6 months away from our wedding. Time has gone very fast since we were engaged in September 2018. I wanted to write this post to catch yall up on what has happened (wedding planning wise) since my last update (way back in March 2019). My goal for paying […]

Filed Under: Adventures, Intentional Decisions Tagged With: Award Travel, Travel Hacking, Wedding Expenses, Wedding Planning

House Hack Update: My First Renters

February 2, 2019 by Gary

debt free climb house hack

In my last house update post, I spoke about my plans for renting out the two additional bedrooms in my house. I treated January as an experimental month and listed my furnished room on Airbnb while I searched for full-time renters for February. Let’s see January’s results and the next steps for February regarding my house […]

Filed Under: Intentional Decisions, Side Hustles Tagged With: Airbnb, House Hacking, roommates, Savings

House Update: Moved In & Next Steps

December 29, 2018 by Gary

debt free climb house hack

That’s right; we are finally all moved into our first home. Meaning I am officially a homeowner! Check it off the bucket list. via GIPHY How I Did It After I became debt free in 2017, I began planning my next move. I built up my emergency fund, increased contributions to my 401k, maxed out […]

Filed Under: Intentional Decisions Tagged With: Airbnb, Buying a House, Expenses, House Hacking

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Zion National Park DebtFreeClimb My name is Gary, I graduated college overwhelmed by my $55k in student loan debt. It took 3.5 years to climb out of debt and officially debt free in April 2017. I created DebtFreeClimb to share my story and help others in the process. I'm passionate about helping people live intentionally, pay off their debt, build a side income, and travel the world. Check out my full story Here

Student Loan Payoff Progress

My Wife’s Student Loan


Student Loan Paid: $32,500
Student Loan Total: $62,000
Remaining Balance: $29,500
Projected Payoff March 2021

Gary Student Loan


Student Loan Paid: $55,267
Student Loan Total: $55,267
Remaining Balance: $0
Paid off April 2017!

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