Crush Your Debt Weekly
with The Payoff Challenge
Celebrate every win with weekly debt tracking, inspiration, real stories, and practical strategies to help you pay off debt faster — together.
Debt Doesn’t Have to Control Your Life.
But Most Plans Leave You Overwhelmed.
You’ve tried budgets. You’ve tried willpower. You’ve tried doing it alone. The problem isn’t you—it’s a lack of clarity, accountability, and momentum.
The Payoff Challenge gives you small, consistent steps and the motivation to stick with them.
Hi, I’m Caleb
I've been teaching personal finance online for 5 years.
I love talking about budgeting and living debt free. This challenge actually came from my wife’s and my own personal goal of paying off our home in 18 months—just in time for our 10th wedding anniversary.
So hey, I'm in the trenches with you.
Here’s How The Payoff Challenge Works
Step 1: Join the Challenge
Just sign up with your email below!
Step 2: Take Weekly Action
Every week you’ll get a short email with quick wins, motivation, and a simple form to submit your progress.
Step 3: Watch Your Debt Disappear
Your weekly submissions get added to community leaderboards, awards, and shoutouts to keep you moving.