About Malcolm
How I Can Help
As a Ramsey Preferred Coach I have worked with clients with over $100,000 in consumer debt, unemployment, collections, and a mortgage forbearance.
I can help you establish priorities, get out of debt, budget, determine your dreams, and create a plan to get there faster.
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I have also walked the walk in my own life. Going through Baby Step 2 (paying off all consumer debt or The Debt Snowball) ourselves we went from living paycheck to paycheck and paid off:
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Two car loans ($40,645)
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Three 401k loans ($14,441)
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Five credit cards ($5715)
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A line of credit ($476)
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A personal loan ($6873)
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Two cellphones ($723)
totaling $61,527 in debt! We sold a brand new van and cash flowed two vehicles during Baby Steps 2 and 3 (Baby Step 3 is save a 3-6 month emergency fund).
My family is living well below our means and now saving 31% of our income towards retirement, saving for our kids' college, and multiple sinking funds.
We live Dave Ramsey's Baby Steps and it has completely changed our lives, our mindset, and our marriage.
My wife and I meet monthly for our budget meetings and talk about money all the time without fighting (well, most of the time). It feels awesome to be in control of our money, live intentionally, and have a plan for every dollar we spend.
Click on Get Started and we can walk through this together.
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