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Debt Free Climb

One Millennials journey from debt to debt free

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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

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

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

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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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