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Debt Free Climb

One Millennials journey from debt to debt free

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Intentional Decisions

Preparing for my House Hack

November 4, 2018 by Gary

debt free climb

Its pretty crazy to think about, but I am about a week away from closing on my first home and starting my house hack. It’s pretty cool that I went from being in $55k in Student Loan debt four years ago to becoming debt free in April of 2017 to now being in the position to […]

Filed Under: Intentional Decisions, Side Hustles Tagged With: Airbnb, Home Ownership, House Hacking

Building My First House (Hack)

August 9, 2018 by Gary

Debt Free Climb House Hack

It’s been a long time coming, but I have finally made the plunge and will be closing on my first house in a few months. It’s hard to believe that after becoming debt free last year I have significantly increased my savings and I am in a position to make this purchase happen. I moved […]

Filed Under: Intentional Decisions Tagged With: Buying a House, House Hacking, Housing Costs, Roomates

True Cost of Dog Ownership – First 6 Months

May 23, 2018 by Gary

True Cost of Dog Ownership

It took my girlfriend over two years to convince me to get a dog. The subtle, funny dog memes and videos broke me down over time and last summer (2017) I finally gave in and agreed to start the process. For the last four years I have lived frugally to pay off debt and increase […]

Filed Under: Intentional Decisions Tagged With: Expenses, pet ownership, savings plan

5 Things I am Thankful for this Year

November 23, 2017 by Gary

thankful debtfreeclimb

Today is Thanksgiving 2017, and I have many things to be thankful for this year. I am excited to eat a ton of great food and spend the Thanksgiving break with friends and family. I thought it would be a good idea to document my thoughts of what I am thankful for this year. Reaching […]

Filed Under: Debt Freedom, Intentional Decisions Tagged With: Friends, goals, thankful, thanksgiving

Who Influences You?

November 17, 2017 by Gary

influences

Have you ever stopped and thought about who your influences are? If you haven’t, I would encourage you to take a few minutes to think about it. There is a quote that has come up a lot in the last 3-4 years while on my debt freedom journey– “You are the average of the five people […]

Filed Under: Intentional Decisions Tagged With: Books, Friends, Influencers, Podcasts, Social Media

My Fincon 2017 Review

November 1, 2017 by Gary

Fincon Dallas Review Debt Free Climb

Last week I had the opportunity to attend my first Fincon conference in Dallas. In case you didn’t know, FinCon is an annual conference for financial media and bloggers. This year, I applied and was chosen for a new financial blogger scholarship, which earned me a free pass to this year’s event. I heard of Fincon […]

Filed Under: Adventures, Intentional Decisions Tagged With: Community, Conferences, Fincon, Travel

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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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