welcome to the debt-free disco
a 6-week live program starting March 31st
You've been throwing money at your cards for years. Different amounts, different cards, different vibes. Nothing's moving. Why?
(Been there. 🙋♀️)
It's not a you problem. It's a plan problem. Nobody's ever walked you through the actual steps to build a debt payoff plan - in the right order, for your specific cards, your specific income, your specific life.
That changes March 31st.
The Debt-Free Disco is a 6-week live program where I walk you through the exact steps to create a debt payoff plan that works with your actual income, your actual expenses, and your actual life.
No pre-recorded modules you’ll never finish. No budgeting bootcamp. No shame.
Just you, me, and a step-by-step process that nearly 200 Money Groovers have used to finally get out of debt.
We meet live every week for six weeks. I walk you through the plan. You ask questions. We troubleshoot together. And by May 5th, you’ll have a clear path to being debt-free.
You don’t have to figure this out alone anymore. I got you the whole way.
By May 5th, you’ll finally have:
A real debt payoff plan
You'll know exactly how much to pay, which strategy to use, and when you'll actually be debt-free. No more guessing.
Clarity on your debt payoff strategy
Should you do snowball? Avalanche? Consolidation loan? We’ll figure out what actually works for your situation (and why).
Confidence your plan will actually work
You’ll fill out a simple spending snapshot so we can make sure your debt payments won’t put you underwater. No more wondering if you’re setting yourself up to fail.
A way to stop repeating the cycle
We’ll figure out why you keep ending up back in debt - and put strategies in place so you’re not sabotaging your own progress.
The light at the end of the tunnel
You’ll actually be able to see your way out. No more drowning.
This is for you if:
You have 3+ credit cards (or loans) and no idea which one to pay off first
You're throwing extra money at your cards randomly every month and the balances barely move
You've heard about snowball, avalanche, debt consolidation, debt relief... but have no idea what would actually help (or what the difference even is)
You're still using your cards while trying to pay them off (and you know this isn't helping but you don't know how to stop)
You've been close to paying everything off before… but the balances always creep back up
You feel like you're drowning and can't see your way out
This probably isn’t for you if:
You only have 1 credit card to pay off. This program is built for people juggling multiple debts and feeling overwhelmed by the complexity.
You want to be debt-free in 6 weeks. We're building a realistic plan you can actually stick to for the next 2-5 years, not a "pay it off fast" strategy you'll abandon.
You feel confident in your debt payoff strategy and only need help with day-to-day money management. That's a different program (Club Cash Flow - coming May 2026).
You prefer pre-recorded courses you can do on your own time. This is live coaching - we do the work together on the call.
I get it because I’ve been there.
Hey, I'm Berkeley 👋 Ten years ago, I had five credit cards (seriously, WHY did I need a Banana Republic card???), about $25K in debt I kept paying down and running back up, and a really fun $15K tax bill looming from the IRS.
My biggest problem was… I was so obsessed with budgeting that I never made a plan for my debt. I just hoped it would magically work itself out if I stuck to the right budget template. (it didn't, lol)
Everything changed when I stopped listening to the “Dave Ramseys” of the world and started doing things my own way.
Turns out, there's an actual process to paying off debt (that doesn’t involve tracking every single expense in a dumb spreadsheet). Once I figured out the actual steps, everything clicked.
Six years later, I’m debt-free with a six-figure net worth.
Now I've spent five years helping nearly 200 Money Groovers do the same. No judgment. No shame. Just plans that work.
Meet Kelsey
from “I'm just bad with money” to debt-free with a plan
“I had developed this narrative that I was just bad at money. And that was just how it was going to be.”
Kelsey was drowning in credit card debt and Buy Now Pay Later balances. She believed she was destined to be in debt forever - that being “bad with money” was just part of who she was. She tried budgeting apps, Excel sheets, no-buys that led to binges. Nothing stuck.
She also believed getting out of debt meant cutting out everything fun. And she wasn’t willing to sacrifice the life she’d worked so hard to build.
Now… Kelsey has a debt payoff plan with an actual end date. She's still buying the special vintage fashion finds she loves (within reason!). Still going to shows and dinners. Still living in the city she worked so hard to get to. But her debt no longer looms over her every single day.
“Having a plan, having resources available that are nonjudgmental and helpful… it feels like a weight’s been lifted.”
READ MORE MONEY GROOVER SUCCESS STORIES →
Here’s the process we’ll go through:
Week 1: the pregame
The Psychology of Debt
We start by understanding how you got here and releasing the shame around it. Because shame is exhausting and it's not helping you pay anything off. Your situation makes sense. Let's deal with it.
Week 2: Get on the Dancefloor
Mapping Your Timeline
We look at your specific debt situation and map out what your payoff could actually look like. For the first time, you'll see your options clearly - no more guessing, no more dread.
Weeks 3 & 4: Find Your Groove
Figuring Out What Works
This is where you’ll learn about all the different payoff strategies and figure out which path lets you pay off debt sustainably - in a way that allows you to still live your life and actually stick to the plan. This isn't about paying off fastest. It's about paying off for good.
Week 5: Keep the Groove Going
Breaking the Debt Cycle
We dive into the strategies that keep you from sliding back into debt. You'll understand how to structure your money so the same thing doesn't happen again. Most people skip this step and wonder why they end up right back where they started.
Week 6: The Encore
Locking In Your Plan
You walk out with clarity. A real, specific plan tailored to your debt, your income, your life. Plus, you'll get a 1-on-1 call with me to review your personalized plan together. By the end of this, you'll actually know what you're doing.
What you’ll get inside
The Debt-Free Disco:
🪩 6 Weekly Live Calls (Tuesdays @ 5:30pm MT - We kick off 3/31)
Get support, ask questions, work through your specific situation, and stay on track. Can’t make it live? Replays are available for the lifetime of the program.
🪩 Your Personalized Money Grooves Debt Payoff Dashboard
Includes your personalized debt calculator, debt payoff plan template, and cash flow planner. Everything you need in one place.
🪩 1:1 Slack Support
Ask questions, get feedback, and stay connected between calls throughout the program.
🪩 30-Min 1:1 Personalized Plan Review
We’ll go through your specific debt payoff plan together in Week 6. You’ll walk away knowing exactly what to do.
🪩 Lifetime Access to Call Replays
Rewatch any session whenever you need a refresher or motivation boost.
The Investment
Six weeks of live support, a personalized debt payoff plan with an actual end date, and the tools to never slide back into debt again.
$677
Payment plan available:
2 payments of $338.50
Program starts March 31st. Limited to 20 people on the dancefloor.
Next cohort won't run until September 2026. If you're ready to tackle your debt now, this is your chance.
Satisfaction Guarantee
Show up to all 6 calls, do the work, and if you don't walk away with a clear debt payoff plan, I'll refund you. No questions asked.
FAQ
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I know. It feels counterintuitive to spend money when you’re trying to get out of debt.
Think about how long you’ve been carrying this debt. And how much you’ve already spent on interest and late fees - money that didn’t even touch the actual balance.
This program costs less than a few months of interest payments. And it gives you a plan to stop paying interest altogether. You’re not adding to the problem. You’re paying to end it.
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You'll need to commit to one 60-min live call per week. There may be additional time needed to tie up loose ends or explore next steps coming out of the call, but most of the work will happen together live.
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The live calls will be weekly on Tuesday evenings at 5:30pm MT, starting March 31st and ending May 5th.
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Yep! Whether you have credit card debt, Buy Now Pay Later balances, personal loans, student loans, or a mix of everything - this works. If you have multiple types of debt, you'll learn which ones to prioritize and how to tackle them in a way that fits your life.
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Nope. The calls are structured so you can learn without sharing anything personal. Want to show up with your camera off? Totally cool. Want to ask questions in Slack instead? No prob.
Think of it like showing up to class. You learn what applies to you, and you leave with tools you can use.
By May 5th, no more late night googling "how to pay off debt."
No more avoiding your credit card statements. No more shame.
Instead, you'll have a real plan. You'll know exactly what you're doing and when you'll be free.
Program starts March 31st. Limited to 20 spots.