Today, we're tackling a beast: student debt. It sucks, it's stressful, and it holds too many PTs back. I get it, I've been there. I break down the two main paths to crush that debt: the slow-burn sacrifice method (like Dave Ramsey's snowball) and the faster, more powerful way dramatically increasing your income by betting on yourself.

Listen, the fastest way to get rid of your debt isn't just scrimping and saving, it's making more money. Period. We talk numbers and mindset shifts required to accelerate your debt payoff and truly change your financial future.

🔑 Key Takeaways:

• There are two main paths to debt freedom: The slow sacrifice method (like debt snowball) or the accelerated income method.
• Increasing your income significantly is the FASTEST way to eliminate debt, saving years and thousands in interest compared to minimum payments.
• Taking control and creating additional income (side hustle, cash practice) allows you to aggressively attack debt principal.
• Getting rid of debt requires a mindset shift, facing fear, and taking calculated risks on yourself.
• Once debt-free, that extra income frees you up to build real wealth and change your family's future.

🧠 Pro Tip:

Don't just focus on cutting expenses to pay off debt; focus intensely on increasing your income. Even an extra $3k/month can cut repayment time by over 7 years on a $100k loan.

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