The Debt Discipline Manifesto
Welcome to DebtDiscipline.com—the place where financial freedom isn’t just a dream; it’s a plan. If you’re tired of living paycheck to paycheck, drowning in debt, and feeling like money controls you instead of the other way around, you’ve found a community that gets it. Here, we don’t just talk about saving money—we talk about taking control of it so that you feel like you’re the one calling the shots in your life.
This is for the go-getters, the change-makers, the ones ready to break the cycle of debt and monotony and build something better. It’s for those who refuse to trade time for money forever and believe that financial discipline isn’t about restriction—it’s about the autonomy to make your own choices.
At Debt Discipline, we believe:
- Debt doesn’t define you, but your actions do. No matter where you’re starting from, you have the power to change your financial future.
- Every dollar should work for you. Budgeting, saving, and investing aren’t just about cutting back; they’re about setting your money up to serve your bigger goals.
- The best investment is YOU. Your health, skills, knowledge, and mindset are the foundation for long-term success. Wealth isn’t just numbers in a bank account—it’s about creating the life you want to live and thriving in it.
- Time is the most valuable currency. Money is a tool, but the goal is freedom—the ability to spend more time with loved ones, pursue your passions, travel, and truly live life on your terms. You can do that with the right discipline in place to get there.
- Smart spending is power. It’s not about deprivation; it’s about making choices that align with your values and future goals.
- It starts with our kids. Kids aren’t taught the fundamentals of budgeting, saving, investing, and making wise money choices. They are also exposed to wasteful consumerism. We strive to do better for the next generation so that they can feel empowered rather than overwhelmed when they become adults.
- Life is meant to be enjoyed. Rather than dreading Monday mornings, hating our bosses, and feeling stuck due to bills, what if there was a better way? Why not travel more, have time for more hobbies, or see those you love more often? There is a way when you set the right goals.
If you’re ready to ditch debt, build wealth, and design a life that excites you, welcome! You’re not just here to read—you’re here to transform. Let’s make financial independence your reality.
Your journey starts now.
Master Your Money. Own Your Life.
The Origins Story with Brad (2014-2024)
This website started humbly with Brad, sharing how he dug his family out of credit card debt and paved his way to a better life for his wife and kids. What an inspiration! They were even featured on Good Morning America!
Here’s Brad’s full story:
I’m not sure we were ever educated on how to handle credit properly. Although my parents seemed to manage okay, financial education was never a topic of dinner table conversation.
Fast forward to September of 2014, we are debt-free! Paying off $109,000 in 50 months, two months ahead of our goal, and it feels great! We shifted gears and now turned our attention to building wealth. Our goals are set on a fully-funded emergency fund, retirement savings, and college funds for our three children.
In early 2015, we took a bit of a step backward after being downsized from my IT position with a company I had been with for over twenty years. It was a bit of a shock, but luckily, we had our finances in order and an emergency fund in place because if we did not, it would have been a stressful situation.
In 2016, I landed a new role with a better work-life balance. We track our money each month via our net worth updates, using tools like personal capital and Excel to track our progress. We continue to prepare our children for their financial futures. Teaching them not to make the same mistakes we have made with money.
Our twins are currently in their junior year of college. My son is studying computer science, and my daughter is studying digital art and social media. My daughter recently started a 6-month internship with Disney.
They have been working part-time jobs for over three years, and both have good savings accounts. Both work full-time each summer. Our youngest son, a senior in high school, just landed his first part-time job. Before working, he used side hustles when there was a big-ticket item he wanted, and he’s also volunteered his time over the last few years.
Since we are at this point in our financial lives, I have begun to help others with their money. I have coached many family members and friends, initiated a financial wellness program at my former company, and I’m a committee chair on my local school board.
A full K-12 personal financial literacy curriculum for a student body of 6000 students has completed its second year of operation. It will continue next school year. The financial literacy committee is finalizing a proposal to be reviewed by our school’s board of education to add a half-year financial literacy class to our district. The goal is to make it a local graduation requirement, so all students receive financial literacy education.
I have also begun speaking and sharing our own story with libraries and high schools to educate others.
More About Brad
Brad is a Dad, husband, and an IT professional by trade. He’s been described as being sarcastic, funny, cranky, moody, and some other four-letter words we’d rather not write here. Laughter and sarcasm rule his home. He’s a pet person, too. He loves animals, especially dogs. His family has two Shiba Inu’s, Mushu and Meeko.
Brad has been working professionally for 25 years. He wants his three children to handle money better and has been teaching them as much as he can. His goal is to continue to champion the financial literacy message to anyone who will listen. He hopes his family’s story will inspire and motivate you to take control of your money.
He’s been featured on:
U.S. News – How This Family of 5 Paid Off $109,000 in Debt in 4 Years
Interview @ Business Insider – How This Family Got Into $109,000 Of Credit Card Debt While Earning 6 Figures — And Paid It Off In 4 Years
Where are they now? @ Yahoo Finance – The most inspiring personal finance stories of 2014
Interview @ A Debt Free Stress-Free Life – We Quit Credit Cards {How Brian from Debt Discipline Paid Off 109K of Debt in 50 Months}
Interview @ Nerd Wallet – Clear Purpose Keeps Couple on Track to Erase Debt
Expert Opinion @ Huffington Post – 37 Ways Dads Can Make and Save More Money
an Brandow Paid off $109,000 of Debt to Become Debt Free
San Diego Financial Literacy Center – Cutting Expenses and Earning More Income, the One-two Punch to Financial Success
Debt Discipline’s Editorial Guidelines Policy
Our Mission Statement:
Debt Discilpine is committed to providing accurate, fair, and unbiased news coverage to
our audience. Our mission is to deliver high-quality journalism that informs, educates and
engages our readers while upholding the principles of integrity, transparency, and accountability.
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attribute information to reliable sources and provide a balanced representation of diverse
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correct errors promptly and transparently, and label sponsored or paid content.
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goal is to foster a sense of community by responding to reader comments, concerns, and inquiries, as well as monitoring and moderating user-generated content to ensure a respectful and inclusive
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Review and Revision: This editorial guideline policy will be regularly reviewed and updated to
adapt to changing journalistic standards, industry best practices, and the evolving needs of our
audience.
Date of Last Revision: February 1, 2025
Debt Discipline Editorial Corrections Policy
At Outrun Gaming, we are committed to providing accurate and reliable information to our
readers. If errors occur, we strive to correct them promptly and transparently.
This editorial corrections policy outlines our approach to addressing and rectifying errors in our
content.
1. Identification of Errors: Our editorial team is responsible for monitoring and identifying
errors in published content. We encourage our readers to bring any potential errors to our
attention through the designated channels (email, comments, or a dedicated corrections form).
2. Types of Corrections:
- Minor Errors: Typos, grammatical errors, and minor inaccuracies will be corrected
without a separate correction notice. - Substantive Errors: Material inaccuracies or significant errors that impact the overall
understanding of a story will be corrected with a clear correction notice.
3. Corrections Process: Upon identification of an error, the editorial team will promptly review
and verify the accuracy of the correction. Corrections will be made directly within the article, and
a note will be added at the end of the article explaining the nature of the correction.
4. Correction Notice: A correction notice will include a brief explanation of the error and the
correction made. The notice will be placed prominently at the end of the corrected article to
ensure visibility.
5. Timeliness of Corrections: Corrections will be made as soon as the error is verified,
regardless of the time of day. If a correction impacts the understanding of breaking news, efforts
will be made to correct it promptly and visibly.
6. Transparency and Accountability: We are committed to being transparent about our
mistakes and taking responsibility for correcting them. The corrections policy is easily accessible
to readers on our website.
7. Handling Retractions: In cases where a published article is found to be substantially
incorrect, misleading, or harmful, we will issue a retraction notice. Retractions will be clearly
labeled, explaining the reason for retracting the content.
8. Reader Engagement: We encourage readers to engage with us regarding corrections and
provide feedback on our corrections process. Reader feedback will be taken into consideration
for ongoing improvements to our editorial processes.
Review and Revision: This corrections policy will be regularly reviewed and updated to ensure
its effectiveness in maintaining the highest standards of accuracy and transparency.
Date of Last Revision: February 1, 2025.
Debt Discipline AI Policy
Debt Discipline recognizes the potential benefits of incorporating artificial intelligence (AI)
technologies into our journalistic practices. At the same time, Outrun Gaming recognizes the danger it poses to our industry.
Because of that, we at Debt Discipline promise that all content we produce is 100% human-made and revised without any assistance from AI. We take pride in being real people and providing real content to our readers. We thoroughly check everything from our writers to ensure they are written by humans and not AI. If you feel that AI-made content is on the website, please email us at [email protected].
Date of Last Revision: February 1, 2025.