Financial Independence Made Simple

How to decrease your debt (in the next 30 days), multiply your income streams, and start achieving 365 days of PTO!


Did you know that improving a credit score from "fair" (580 to 669) to "very good" (740+) can save the average household nearly $60,000? I spent my 20s in the middle of a recession with bad credit and buried in debt. I understand exactly how scary it is to live paycheck-to-paycheck. 

The average household will spend $460/month on credit and student loan debt payments, or $5,500 a year. I created a graduated series of personal finance courses based on over a decade of experience as an auditor, data- and financial analyst and my bestselling book, Debt Free or Die Trying. These easy-to-follow systems helped me pay off over $30,000 in debt in 36-months on my way to an 800 FICO.

Once debt-free, I used the money I found in Life After Debt to organically grow my own six-figure brand. Now I only do work that I enjoy,  and I get paid more than ever to do it.

I have consistently proven our programs work. This includes a bestselling book, establishing an award-winning personal finance podcast, and booking my own appearances in The New York Times, CBS News, Forbes, and many more. 

Start today: find the program aligned with your financial or business goals, then simply click the course card below to learn more.

Your Instructor

The Marcus Garrett, LLC.

After surviving the mean streets of the inner suburbs, Mr. Garrett obtained a Bachelor of Arts in Business Administration and went on to become a #1 bestselling author with his book D.E.B.T. Free or Die Trying, an award-winning writer for Best Millennial or Gen Z Blog, and the creator of multiple monetized online businesses and brands. He has professional training experience as an Innovation and Staff Development Manager. And, as the child of a college professor, he has literally been lectured all his life. However, you can find online evidence of him speaking professionally at organizations as well-known as Google, Yahoo Finance, CBS News, and many more.