On this episode we're joined by Tommy Kilpatrick, a man who stared credit card debt in the face, laughed, wrote a book about it, and then peaced out to the Philippines. Join us as Tommy reveals the "Break Free!" secrets banks definitely don't want you to know, and shares his surprisingly sane approach to retirement that involves more coconuts and less corporate cubicles. You might just rethink your life choices... or at least your credit card statements.