Demolishing Your Debt

Debt got you down? We'll show you how to analyze and take control of your debt situation!

So many of my acquaintances, clients, and friends struggle with debt. As I’m sure you know, it can be a gift and a curse, allowing us to afford things we otherwise couldn’t—but also sometimes getting us into trouble.

Worse, many people with debt aren’t sure how to go about paying it down.

We all know the vague rules about interest rates and making more than the minimum payments, but it can be challenging to figure out the best way to approach debt.

What should my strategy look like if my goal is reducing my monthly payments?

How does that change if I want to save money on interest over time?

Debt can seem like one big, expensive mystery.

In our Demolishing Your Debt module, we’ll cover all those questions and more.

We start with an understanding of debt basics, including the two primary types of debt and how interest rates work under each scenario.

Then, I share a wide variety of tactics for paying down debt. This includes both traditional methods such as the Avalanche and Snowball methods, as well as more creative ways such as balance transfers and personal loans.

Finally, I show you how to compile information about your own debt, get it in one place, and analyze which method might be right for you. We’ll close with an exercise that allows you to create your own debt action plan and check in with it on a monthly basis.

No matter your current skill level, our step-by-step course will give you the tools and resources you need to demolish your debt!

This course is divided into three sections, containing 12 videos, as well as a 25+ page workbook containing templates, video notes, and exercises, and other bonuses.

Together, we’ll cover the following topics:

In summary, you will leave this module knowing:

1. How debt and interest rates actually work

2. How to get your debt information in one place

3. What your various options tactics for paying down debt are

4. How to create a payoff action plan that works for you

Get started now!

Your Instructor

Michelle Waymire, CFA
Michelle Waymire, CFA

My name is Michelle Waymire, and I’m the founder of the Young Scrappy Money Academy, a financial education platform geared towards serving young investors. My passion is providing approachable, actionable financial literacy education to recent graduates, young professionals, artists/entrepreneurs, and LGBTQ+ folx.

I hold my Master’s in Business Administration from the University of Tennessee, I’m a Chartered Financial Analyst (CFA) charterholder, and have been quoted/featured in US News, Glamour, Bustle, local NPR, and many more.

When I’m not helping my clients kick butt at all things money-related, I enjoy baking, self-deprecating humor about avocado toast and Burning Man, and bears. I am a sometimes runner, an all-the-time coffee addict, and once built the Disney castle out of Legos. If you ask nicely, I will show you too many pictures of my dogbabies, Harvey and Momo!

I am also a fiduciary financial advisor and financial coach; you can read about my advisory work at

Get started now!

Frequently Asked Questions

What if I’m feeling totally lost when it comes to paying down debt?
Don’t worry, this is designed for people looking to start from the very beginning. We do our best to take a big complicated topic and break it down into bite-sized chunks, delivered in plain English that anyone can understand! And if you find yourself running into trouble, we’re happy to help you in the dedicated Slack group!
What if I’ve already got a good grip on my debt strategy?
Even if you’ve been doing this awhile, chances are this course will teach you something new. From better ways to look at your debts all together, to tactics to actually sticking to your debt plan, we provide ample opportunity to up your money game.
When does the course start and finish?
The course starts now! It is a completely self-paced online course - you decide when you start and when you finish.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to the course for as long as you like - across any and all devices you own. Plus, this course won't always be offered at this price, as new strategies and information will continually be added. You won't have to pay a penny for any updates, though. Once you purchase, you will receive all updates for free.
How is the course content delivered?
This is a video and text-based course that is taught through short tutorials, PDFs, and corresponding worksheets/exercises. When you register you will receive an enrollment email with your unique login information.
Does this course work for those outside of the United States?
While many of the fundamental principles will translate, you will find that some vocabulary is native to the U.S.
What if I am unhappy with the course?
We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 30 days and we will give you a full refund.
What if you didn’t answer my question just now?
If you don't see your question here, please send me an email at [email protected], and I will send you the information you need!

If you're struggling with your debt, it's time to make a change. Join us, and we'll give you the clarity and confidence you need to demolish your debt once and for all!

Get started now!