In this powerful episode of Hindsight the Podcast, Lee Jones sits down with Tommy Kilpatrick, an author whose story defies the norm. After a financial collapse left him $85,000 in debt, Tommy made a shocking decision — to reset his life by stepping away from the system entirely.

In this episode:

00:00 Introduction and Background

00:12 The Journey to the Philippines

01:26 Purposeful Homelessness and Life Lessons

04:27 The Search for Family and Connection

07:28 Financial Collapse and Resilience

10:27 The Promise of Wealth and Its Consequences

13:29 Legal Battles and Bank Fraud

16:25 Reflections on Life and Future Plans

25:31 Revamping Credit Repair: A New Approach

29:48 Challenging the System: Questioning Debt and Contracts

34:33 Understanding Credit: The Difference Between True and Alleged Debt

45:35 The Illusion of Credit: Gifts vs. Loans

51:23 Mindset Shifts: Overcoming Financial Hardship

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Tommy Kilpatrick is an author and speaker whose life took a dramatic turn after a failed book deal left him with over $85,000 in debt. Instead of giving up, Tommy made a radical decision to embrace homelessness as a reset — a journey that led him to powerful lessons on faith, mindset, and the broken promises of the financial system. Today, he shares insights on financial literacy, personal growth, and the importance of questioning the status quo, empowering others to rebuild their lives from rock bottom with knowledge and clarity.

Learn more about Tommy at:

👉 https://www.diy-debtrelief.com/

👉 https://www.facebook.com/profile.php?id=61571446316625