Making More Than Ever, But Still Overwhelmed With Debt

Starting In Financial Overwhelm

Julie, a single parent in Atlanta, GA, was running a growing wellness clinic while juggling a side job and caring for her family. Despite earning more than ever, she felt stuck. Years of financial strain from divorce and building a business had left her with overwhelming debt and no clear plan to tackle it.

She wanted to finally make progress, but didn’t have the systems in place to manage cash flow or prioritize debt.

She Needed A Plan For Her Debt

• With over $650K in debt (including $70K in credit cards across than 16+ creditors), she felt buried. She was constantly working, but had no real clarity on her income, expenses, or which debts to focus on first.
• Trying to budget while managing a business and family made it nearly impossible to feel in control. She didn’t need more hustle, she needed a system.

How We Worked Together

• We focused on simplifying and systematizing her finances with a custom setup in YNAB to track expenses and create a budget.
• We separated business and personal expenses for clarity on how much she can realistically pay herself from the business
• Automated tax savings, debt payments, and tracked every dollar earned
• We uncovered that she qualified for public service loan forgiveness due to legislative changes, which resulted in timely forgiveness of her student loans.

The Transformation

• In just two years, she reduced her debt from $620K to $200K and paid off all of the credit cards.
• She has paid for several trips in cash during her time of paying off debt and has started building a healthy emergency fund.
• Julie now invests confidently in her business, stays ahead on taxes, and manages her money with clarity and peace of mind.