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From the book 12 Steps to Eliminate Debt and Build Wealth
Get out of debt and build wealth, one step at a time.
A plain-spoken plan that starts with five numbers instead of an 80-category budget, then builds a system that makes you better off every month, without relying on willpower.
How it works
12 Steps in three phases
Do them in order. Each step frees up money for the next.
Phase 1: Build a Foundation
Build your Undetailed Budget: five numbers that drive your finances. Then set up accounts that run on their own, save a one-month cushion, and clear every debt above 10%. Steps 1-4
Phase 2: Build a Routine
Protect your family with insurance and a Will, capture your employers match, grow a six-month emergency fund, and pay off everything but the mortgage. Steps 5-8
Phase 3: Build a Legacy
Invest 15% of gross income, save for college, use an HSA to self-insure for long-term care, and own your home outright. Steps 9-12
Start free, today
Free tools to start your 12 Steps to Eliminate Debt and Build Wealth
Each tool comes straight from 12 Steps to Eliminate Debt and Build Wealth.
Not sure where to begin? Start with the quiz.
Behavior matters more than math
Most money advice tells you to track every dollar in dozens of categories. Almost nobody keeps that up. The 12 Steps take a different route. They set up a few accounts and automatic transfers so your bills get paid, your spending is guilt-free, and your surplus stays put. The system does the work, so you don't have to rely on willpower.
Meet Jay Rigler
Jay is a Boise-based financial consultant who has worked as an outside controller and fractional CFO since 2015. He holds a master’s in economics and spent years in analytics and consumer finance, including at work for Fortune 500 Companies, small businesses, and startups. He decided to get out of debt in 2010, paid off his last loan in 2016, and has lived consumer debt and mortgage-free ever since. 12 Steps to Eliminate Debt and Build Wealth is the plan he followed and now coaches.
