This conversation with Tommy A. Kilpatrick completely reframed how I see credit-card debt, banking systems, and financial sovereignty.

Tommy shares how his $85,000 in "credit-card debt" mysteriously vanished after he took his case to federal court—without tax repercussions. He explains how modern banking practices create an illusion of debt, why language like "alleged credit-card debt" matters legally, and how you can reclaim your sovereignty by understanding financial fraud at its root.

We also explore Tommy's decade-long vow of poverty, his spiritual awakening, and his current humanitarian work in the Philippines—teaching farmers to build bamboo domes, grow vertical gardens, and create self-sufficient communities. His vision for humanity is practical, creative, and profoundly spiritual.

✨ In this episode, we discuss:

The spiritual transformation that led Tommy Kilpatrick to walk away from wealth

What really happens behind the scenes in the credit-card system

The language that binds us to financial illusions

Sovereignty, faith, and the power of living by divine trust

Tommy's blueprint for self-sustaining, debt-free communities

If you're struggling with debt or yearning for true freedom, this episode offers a radical new perspective.

I invite you to explore karagoodwin.com for my book Your Authentic Awakening, free meditations, and upcoming summits and workshops.

Tommy's website: https://www.diy-debtrelief.com/

Your likes, shares, comments, and subscriptions truly help this content thrive and ripple high-frequency awareness across the planet.

Enjoy this illuminating conversation!

Bio:

Retired American living in the Philippines teaching farmers how to build dome structures with bamboo, vertical gardening, and to open free Self-Managed Health Care clinics. Born and raised in California. Double major: Abnormal Psychology and Accounting. Author, teacher, entrepreneur, 28 year marriage ended, became homeless (on purpose) and vow of poverty (for 10 years), living on farms on the East coast and walks in faith with God.

Tommy A. Kilpatrick wrote a book on health and healing and in 2004 he signed an infomercial contract. For six months he was booked on radio shows as a test and used his three credit cards to survive. There was another author who got into trouble with the FTC and our infomercial company. The new talent's contracts were cancelled and he was stuck with $85,000 of credit card debt. He sued his three banks in federal court, by himself. Did he win? Cases were dismissed by the judge. Did he lose? Well, the alleged debt was removed from his credit report and there was no 1099-C sent to the IRS.

Kilpatrick believes people are suffering under $1.3 trillion of bank-issued alleged credit card debt, which is not a debt and can be eliminated by the bank within 45 days.

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