The buy-now-pay-later approach to personal finance is a trap. Immediate gratification tricks your brain into devoting a massive portion of your future income to payments for stuff you already purchased and consumed.

Jay Rigler spent his 20s being normal, just like the rest of us. He found himself in a never-ending cycle of increasing spending and debt.

Then, he decided to take control of his finances and escape the trap.

The result was more financial freedom than he first imagined, and now that he has had this freedom for nearly a decade, he is sharing the path he took to financial independence.

12 Steps to Eliminate Debt and Build Wealth is a practical and comprehensive guide that will show you the exact path Jay Rigler took, and the steps that you can take, if you would like to increase your own financial peace.

The book is divided into three phases: building a foundation, establishing a routine, and creating a legacy.

Phase 1: Build a Foundation

1.Create an Undetailed Budget.

2.Separate Income & Expenses.

Save a 1-Month Emergency Fund.

4.Eliminate High-Interest Debt.

Phase 2: Build a Routine.

1.Review Insurance and Wills.

2.Get Employer Match for Retirement.

3. Save a 6-Month Emergency Fund.

4.Eliminate All Non-Mortgage Debt.

Phase 3: Build a Legacy

1.Invest 15% of Gross Income to Retirement.

2. Save for College.

3.Use HSA to Self-Insure for Long-Term Care.

4. Pay Off Mortgage.

PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.