ab 12 • Audiobook • 01:14:27 • Oktober 2026

You open the banking app, see the balance, and close it again. The credit card, the car loan, and the personal loan you took for the last emergency are all still there, and you're tired of feeling stuck and ashamed. This audiobook walks you through the Debt-Free Date Plan, a simple step-by-step method for getting out of debt on an ordinary income. You say every debt out loud, find your first 100 dollars of breathing room, and pick a payoff order that suits you. Then you work out your own honest debt-free date, one that moves when life does. Each chapter opens with a story about people in your situation, uses small realistic numbers, and ends with one action for this week. By the final chapter you have a written plan, a date you calculated yourself, and a way to protect it through the bad months. Press play, grab a pen, and start with the first debt on your list.