Episode 6: Let’s Talk About Debt — How to Get Free and Stay Free

Debt isn’t just a financial burden — it’s a freedom killer. In today’s episode, I’m getting real about my own journey through crushing debt, paycheck-to-paycheck living, and the hard wake-up call that changed everything. We’ll break down the real cost of debt, the biggest mistakes I made, and the exact steps I took to climb out — and stay out — for good. This isn’t just about budgeting and strategies (although we’ll get into that too). It’s about mindset, healing, and fighting for your freedom.
If you’re tired of feeling stuck, tired of drowning in bills, and ready to take back control, this episode is for you.
Plus, stick around for this week’s Money Move: a simple action you can take TODAY to start breaking the cycle.

Freedom is possible — and it starts now. Let’s get into it.

Follow me on Instagram @WheresYourMoney for more real talk and resources.

In this episode of the Where’s Your Money? podcast, we’re talking about saving — but not just for a rainy day. We’re talking about saving with purpose. I’m sharing the story of how I went from living paycheck to paycheck with zero savings, to building a system that gave me peace, freedom, and options — not just survival.

We’ll break down the difference between short-term and long-term savings, how to set up savings “buckets” that actually work, and why purposeful saving is one of the most powerful financial tools you’ll ever use. Plus, I’ll show you how $10 a week can change everything.

This one’s real, personal, and practical. Let’s shift your mindset — and your money — together.

In this episode of Where’s Your Money?, we’re taking your budget to the next level by setting up a money system that works on autopilot. Learn how to build the 5-account bank structure, automate your savings, bills, and debt payments, and finally gain peace of mind with your finances. Whether you’re budgeting solo or as a couple, this episode gives you the practical tools to make your money flow with purpose—without constant stress.

Feeling stuck in survival mode? Drowning in debt, living paycheck to paycheck, and tired of going nowhere fast? This episode is your wake-up call. It’s time to stop blaming your circumstances and start owning your outcomes.

We dive deep into the three-stage roadmap to true financial freedom:

1. Hustle & Stability – Get intense. Work the extra hours, pay off your debt, build that emergency fund. This is your sprint before the marathon.

2. Replace Your Income – Learn how to build passive income through scalable businesses, real estate, or digital assets—so your money works for you.

3. Wealth & Legacy – Once you've broken free, it's time to expand. Reinvest, build generational wealth, and leave an impact that outlives you.

The Bible reminds us in Proverbs 13:22 — “A good person leaves an inheritance for their children’s children.”

This isn’t just about making more money. It’s about building a legacy.

Your challenge this week: Find one way to increase your income. Start small, but take action today.

Financial freedom isn’t a fantasy.
It’s a decision.

So… what’s your next move?

Struggling to stay on top of your finances? Tired of living paycheck to paycheck? In this podcast, we break down a simple, step-by-step framework to help you take control of your money—without the stress.

From understanding your income and tracking expenses to building savings and crushing debt, we’ll guide you through practical strategies that actually work. You’ll learn how to align your paychecks with your bills, budget for everyday expenses, and plan ahead for both emergencies and expected costs (like car maintenance and holiday shopping).

With a zero-based budget approach, every dollar has a purpose—so you’re not just reacting to money but proactively managing it. Plus, we’ll discuss the mindset shifts needed to stop financial stress in its tracks and build a future of financial freedom.

Whether you’re just getting started or looking to fine-tune your financial habits, this podcast will equip you with the tools and motivation to make smarter money moves. Ready to master your finances? Tune in now!

Welcome to the very first episode of The Where’s Your Money Podcast! In this powerful debut, Andy takes you on a deep dive into his personal journey from feeling trapped in the cycle of work, bills, and survival to achieving true financial freedom. He shares how his military career gave him structure but also kept him in a cycle of stability that felt impossible to break. A life-altering tragedy forced him to re-evaluate everything, leading to a pivotal shift in mindset—one that transformed his approach to money, work, and life itself.

In this episode, Andy presents his five-step framework for escaping the traditional 9-to-5 grind. He explains why financial independence isn’t just about making more money but about building a solid foundation—one that allows you to take control of your time, opportunities, and future. Rooted in timeless financial wisdom from the Bible, this framework walks you through:

1. Building a Starter Emergency Fund – Why $1,000 can be the difference between financial security and panic when life throws the unexpected your way.

2. Eliminating Debt – The harsh truth about debt and why it keeps most people trapped in the paycheck-to-paycheck cycle.

3. Building a Full Emergency Fund – How saving 3-6 months of living expenses shifts you from survival mode to financial confidence.

4. Creating an Investment Fund – The importance of setting aside money for opportunities before they arise.

5. Investing in Cash-Flowing Assets – How to make your money work for you through smart, sustainable investments.

Andy doesn’t just lay out the steps—he shares real-life experiences, hard-hitting financial statistics, and biblical insights that reinforce why following this process is essential for lasting financial freedom. He also challenges listeners with a reality check: How much longer are you willing to trade your life for a paycheck?

If you’re tired of feeling stuck, missing out on life’s most important moments, and wondering if there’s a better way, this episode is for you. Andy proves that financial freedom isn’t reserved for the lucky few—it’s available to anyone willing to follow a proven path.

Tune in and get ready to shift your mindset, take action, and start designing a life on your own terms. And don’t forget—next episode, we’ll be breaking down how to build a budget that actually works, so you can turn these steps into a real plan for success!

Everything you’ve been told about money is a lie—and it’s time to wake up. In this introduction episode, Andy shares his personal journey of breaking free from the paycheck-to-paycheck trap, walking away from a “secure” career, and taking full control of his financial future. This podcast isn’t about playing it safe—it’s about taking bold action, building real wealth, and rewriting the rules.

If you’re tired of working for someone else’s dream and ready to create your own, this is where it starts. No fluff. No excuses. Just real strategies to escape the rat race.

Follow now and get ready for Episode 1: How to Escape the 9-5 Grind. 🚀💰