Daily Money Coaching to Help You Get Out of Debt and Build Real Wealth!
With this app as your guide, you'll eliminate debt, grow your net worth, and develop financial confidence—step by step. Learn Anthony O'Neal's complete money management toolkit to start building the legacy you want to leave, today.
You crushed your goal of paying off $2,000 in debt this month.
Gain control of your money with zero-based budgeting, daily check-ins, and AI-powered insights that help you finally get ahead.
Use the proven 5-Phase Escape Plan and Debt Snowball Tracker to pay off debt faster and see real, motivating results every week.
Build emergency savings, boost your income, and start investing with simple tools—so you can create a legacy of financial freedom.
Transform your finances with a proven step-by-step plan to escape debt, build savings, and create lasting wealth. Get daily guidance, personalized coaching, and powerful tools to help you budget, pay off debt, grow your income, and invest for the future. Track your progress, celebrate every win, and gain the confidence to leave paycheck-to-paycheck living behind—no matter where you start.
Follow a clear, proven roadmap with lessons, videos, and action steps for every financial stage.
Create, track, and adjust your budget with AI-powered insights and weekly check-in reminders.
Visualize your progress, celebrate each debt paid off, and stay motivated with milestone rewards.
Monitor your emergency fund, automate savings, and track investing progress toward 15% of income.
Get personalized prompts for debt payments, savings transfers, and income-boosting opportunities.
Reflect daily and see your confidence grow as you build new habits and financial security.
Learn with 10-minute lessons, 21-day challenges, and expert tips tailored to your Escape Plan phase.
See your net worth, cash flow, and debt payoff at a glance with smart, easy-to-read dashboards.
Stay motivated with uplifting words, scripture, and practical wisdom to keep you focused and hopeful.
Personal finance expert and bestselling author, helping over 100,000 families pay off debt and build lasting wealth.
For most of my life, I watched people I cared about struggle with money—living paycheck to paycheck, overwhelmed by debt, and feeling like financial freedom was out of reach. My own journey wasn’t easy either. I made mistakes, learned hard lessons, and realized that real change comes from practical steps and consistent encouragement, not just theory.
Over the past decade, I’ve dedicated my career to helping others escape the cycle of debt and build wealth that lasts. As co-host of The Ramsey Show with Dave Ramsey for seven years, I had the privilege of guiding millions of listeners through their toughest money questions. I’ve written two books, including Debt-Free Degree, which has helped over 100,000 families take control of their finances and their futures.
But I always felt there was a missing piece—a way to combine proven frameworks, daily accountability, and a supportive community in one place. That’s why I created Debt-Free Wealth. This app brings together everything I’ve learned: my 5-Phase Escape Plan, zero-based budgeting tools, daily encouragement, and step-by-step guidance for every stage of your financial journey.
My hope is that you’ll find not just practical tools here, but also the confidence and support to transform your life. Whether you’re digging out of debt or building a legacy for your family, I’m honored to walk this path with you. Let’s break free together.
Built with powerful AI, this app is unlike anything you've ever used before. Your entire experience will be designed just for you.
It only takes a few minutes to get started
Upload your debts, savings, and income so we can personalize your journey and create your unique wealth snapshot.
Receive a step-by-step Escape Plan tailored to your goals, showing exactly how to eliminate debt and build wealth.
Snapshot • 1 min
Review • 2 min
Activity • 5 min
Reflection • 2 min
Check in each day for guided actions, budgeting tips, and encouragement to help you make steady financial progress.
+$2,000 in the last month
+2 points this week
Watch your debt shrink, savings grow, and confidence soar with interactive dashboards and milestone celebrations.
It only takes 2 minutes to get started
Join 100,000 families reaching their money goals alongside Anthony O'Neal
You don’t have to live paycheck to paycheck. Join thousands who’ve transformed their finances with proven strategies, expert guidance, and powerful tools. Take the first step—eliminate debt, grow your savings, and unlock the confidence to build the life you deserve. Your path to financial freedom starts now. Download In The Black and make your breakthrough today!
