Feeling stuck under a mountain of debt? You're not alone, but there's a way out that's faster than you think. In this episode of The Debt Hotline, Hannah sits down with Adam Carroll, founder of The Shred Method, to reveal how everyday people can accelerate their debt payoff and achieve financial freedom in 3-7 years.Adam brings over 20 years of financial education experience and shares the behavior modification system that's helped countless "shredders" eliminate student loans, credit cards, and even mortgages at lightning speed. He breaks down the shocking reality that most people don't actually own their income—and how to change that.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.Enter Solo's In-DEBT-ENDence Day Giveaway this July for a chance to win $4,700 to help pay off your debt: www.solosuit.com/giveaway?utm=podcastIn this week's episode of The Debt Hotline, you'll learn:How The Shred Method works and why traditional minimum payments keep you trappedReal success story: How one couple paid off 25 years of student loan debt in just 8 monthsThe difference between "available money" and "accessible money" and why it mattersShould you pay off debt first or start investing? Adam's controversial takeHow to optimize cash flow using a line of credit as a "behavior modification tool"Real listener Q&A covering mortgage strategies, retirement vs. debt payoff, and moreKey insights from Adam Carroll:Most people pay 83% interest, 17% principal on long-term loans—The Shred Method flips this"If you do for two years what most people won't do, you can do for the rest of your life what most people can't do"The goal isn't just paying off debt; it's owning 80-90% of every dollar you makeInterest expense is typically the second-largest expense in people's lives$100K+ earners often wonder "where did the money go?" Shred fixes the leakHannah and Adam tackle real listener questions from people dealing with credit card debt, mortgages, student loans, and the classic dilemma of whether to cash out retirement accounts to pay off debt. They also dive into settlement strategies for those already in collections.The bottom line: Debt doesn't have to be a life sentence. With the right system and mindset, you can break free faster than you ever thought possible and start building real wealth.Want to learn more about The Shred Method? Visit https://www.theshredmethod.com/ to explore Adam's debt acceleration system. Use their free savings calculator at https://www.theshredmethod.com/savingsanalysis to see how quickly you could knock out your debts, and follow them on Instagram @the.shredmethod for ongoing tips and success stories.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

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