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If you default on your credit cards, it means your credit score is... If you're

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paying credit card debt of 21%, you cannot out-invest that.

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Getting stuck in debt. But the question is, can

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you get out of it? People want to get out of debt, but they don't even know what

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debts they have. Have you ever gone outside, opened your letterbox up,

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pulled out some envelopes, and opened them up, and

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your heart starts to beat a bit faster as you realize that

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you're swimming in credit card debt? I'm Lloyd James Ross, seven-figure

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investor and entrepreneur, and I've helped thousands of business owners and

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professionals turn financial stress into success. If

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you're stuck in old money habits, overwhelmed by investing, or unsure where

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to start, this is for you. I'll give you the mindset and

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strategies to take control, grow your wealth, and achieve financial

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freedom. It's time to make your money work for you. Before

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I dive into the steps, here's some frightening statistics. The average

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person has a debt of $6,400. That's

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per person. So if you're in a household of two people, that's over $12,000 in

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debt. The average credit card interest rate is a whopping 21%. Now,

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just to put that in perspective, Warren Buffett, the best investor who's

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ever lived, has compounded his money at 19%. So

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if you're paying credit card debt of 21%, you cannot out-invest

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that. Can't, right? Huge.

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The next one, 50% of people are defaulting on their credit

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cards, 50%. That's the highest since the global financial

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recession. Why is that important? Because if you default on your credit cards, it

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means your credit score is, you're gone, which means you

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won't be able to go and borrow money to buy a house. You won't be able to borrow money

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to buy a business. You will actually just handcuff yourself. So

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you've got to be very careful. It's a slippery slope. Do not fall down

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the bottom. 50% are defaulting. Make sure you're not

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amongst the 50%. Have you ever gone outside, opened your letterbox

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up, pulled out some envelopes and opened them up

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and your heart starts to beat a bit faster as you realize

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that you're swimming in credit card debt. Another statement from

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another credit card company saying you owe us more money.

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But you look at your bank account and you realize there's not enough there.

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And you slipped off the slope into absolute credit card chaos.

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It happens to everyone. It's easy to fall into this trap, getting

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stuck in debt. But the question is, Can you

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get out of it? How do you get out of it? You know you need to.

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You know you want to. You know those interest payments every month are

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causing a lot of financial stress and anguish in your household. But you're not

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too sure where to start. So there are five steps

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to getting out of credit card debt. And I know if you follow these steps,

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you'll be well on your way to actually commanding your credit card

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debt instead of it commanding you. Because you don't want to be a slave to your credit cards.

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You want them to be a slave to you, all right? So here's the five steps to

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get out of credit card debt. fast. Step number one,

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you got to write them down. You know, like actually know

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how many you've got. I had a guy recently, he actually reached

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out to me on Instagram, right? I remember I was in service paradise having dinner there

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in between an event we were hosting. And this guy DMs me on Instagram. And

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I'm like, Oh, I'm just here having dinner by myself. I'll just have a chat with

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him. And so sometimes I'll do that. And he said, Lloyd, I'm just swimming

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in all this credit card debt got $27. I'm like, Hey

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man, that sucks. I know you feel it's terrible to be there, right? And

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I said, well, how many debts have you got and what's the interest rates

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on them? And he went, I have no idea. I was like,

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how is it that people wanna get out of debt, but they don't even

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know what debts they have or what interest

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rate they have? So the most important first step you gotta take is

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to sit quietly for 15 minutes, quietly by

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yourself and write down, this much, this

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much, this much, and this much. Write down all the cards and

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all the debts, okay? So list them. That's the first step, all right? Now,

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once you've done that, the second step is to identify in

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that list which one is the most expensive. You might be thinking to

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yourself, what does that mean, the most expensive, right? And so the

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debt that's the most expensive is the one with the highest interest

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rate. Okay, so you might have a credit card with 20% interest rate,

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you might have one with 10% interest rate, and you might have an

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interest-free one, which is not expensive at all for now. So

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the idea would be to list the debts. and then put

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them from top to bottom, the most expensive at the top, and

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then list them down to the least expensive, okay? Why is that important? Because

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in the next step, I'm gonna explain why that is important to

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list them from most expensive to least, okay? Because you gotta do that first because

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otherwise you don't know which one to attack first, all right? And so list them out. And

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I have had students before say, well, I don't even know, like how do you

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know? And on your credit card statement, it'll show you what the actual interest

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expense is, okay? So what you can do to figure

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out the highest interest rate is to even just take, it'll tell

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you on the statement what the interest rate is. If it doesn't, you can take the repayment and

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divide it by the balance and it'll give you a bit of an indication of which

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one's taking the most cashflow from you each and every single month,

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all right? So we need to attack that one first because it's attacking you the

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most. So we wanna get the biggest and most challenging one

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done first, all right? So step number three is

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to actually pay off the most expensive. But

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here's a trick. If you haven't done this before, what

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you could do potentially, and what I've seen people do before, all

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right, is actually secure an interest-free card

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from another card supplier to actually then use that to

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pay off another one with a lot of interest. So

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you can actually get an interest-free card and use that to

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pay off a high-interest one, in which case you're saving a

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ton of interest. Now, the interest-free card will be for a period

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of time. So it's like, hey, interest-free for a year or interest-free for

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six months. So what you want to do is get the card, use that to pay off the high-interest

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one, but then you don't want to go and like, spend the

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other one again, right? So use that advantage you're creating

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for yourself and start to use the cash that you're saving to

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pay off the principal. It's called snowballing. And Dave Ramsey has

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made snowballing debt very popular. For me,

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it's common sense. I'm like, should I pay off my debt and

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Yes! What are you, stupid? Of course you should do

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that. That's the whole objective, to get rid of your debt. Why

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would you pay it off, create all these savings, and then go and buy a

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car or something or clothes? What the hell is wrong with

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Of course, when I read that, I'm like, Dave Ramsey says to Snowball, no

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joke. What else would you do with it? We want to get you

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out of debt. You don't want to stay in debt. So yes, anytime you're saving money

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from your expense every month by paying the principal down, snowball

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it. Use it for the next one. Use it for the next one. Use it. You're anti-compounding, right?

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Because right now, if you've got a lot of debt, you're someone else's money tree.

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and that you don't wanna be someone else's money tree. You wanna build your own, but you gotta

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get out of this money tree situation yourself, and then you can start planning your own, right? So number

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three is to use some other card to actually pay that off,

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and you'll create a bit of a buffer for yourself to start attacking

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that principle, right? So that's step number three. Just quickly, if you're ready to take

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control of your finances, but feel stuck on where to start, I

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have a solution. My book, Money Buys Happiness, simplifies

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investing and wealth building with practical steps to help you achieve financial

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peace. Get your copy via the link in the show notes and let's get your

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money working for you. Now back to the episode. Step

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number four, here it is. Buckle up for this one. It's

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pretty wild. So complex. Ready?

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Sell stuff. Sell stuff, right?

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Had a student of mine, he's like, Lloyd, I've got 16,000 pounds in

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debt. I said, okay, what's your goal this year? He said, well, in the next 12 months, I'm

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gonna pay it all down to zero. I'm like, 12 months? Okay.

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And I said to him, I challenged him and I said, what if you could do it in four weeks?

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And it was almost like that thought had never entered his head. And

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so I challenged him, I said, what if you could do it in four weeks? He said, oh, that's

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interesting. I've never thought about that. And I left him on the call and he left

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and he just pondered that and pondered that. And he said to me, he came back to me two weeks later. And

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he said to me, you know, when you asked me that question, you challenged me to

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do it in four weeks instead of a year. I said, yeah. He said, I started telling

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my friends about that. And so we started thinking about ideas. And

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I said, isn't that interesting? And what did you discover? And

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he said, what I discovered was I started looking at ways, more

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bold ways to actually paid off in the four

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weeks. And I said, what did you discover? What did you come up with? He said, well, here's what I came up with. I

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realized I was driving a really nice car and

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it had some debt on it, but it also had some equity in it. It means I

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could have sold it and downgraded it and created some cash. I said, so what'd you

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do? He said, well, I sold my car. I was like, wow, that's amazing. He

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said, yeah, and guess how much I paid off. I said, well, he goes, I paid off half of it in

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just two weeks. So here's the lesson here. If

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you ask better questions, you'll get better answers. So

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my question to you is, what do you have in your house? What do you

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own? What else is around you that you can sell to actually

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start paying that debt off faster? Because when companies get into debt, when

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companies have too much debt and they're sinking, you see this in

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the news, such and such company is going through asset sales,

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liquidation sale, right? And so you've got to treat yourself

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as a company. So a company gets into trouble, it starts selling assets, okay?

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When a state goes broke, or a country starts to

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go broke, it starts to sell off assets. You're no different.

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So I'd suggest to you, what do you have you can sell? This is where you got to

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be brutal, right? And it's where you got to start getting rid of things. You know

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when you go to your wardrobe and it's time to get rid of some of your clothes, you're sifting through

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the wardrobe and you're like, oh, you don't know what to get rid of because you feel like

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the clothes have feelings. Yeah, that's because you're emotionally attached

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to it. So what you've got to do is for a bit of time, get unemotional,

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get rid of the thing and pay it off. I had a student of mine, she

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had four cars, right? She said, I'm tight every

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month. I'm tight. Like it's time. I can't live in paycheck to paycheck. I

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said, how many cars have you got? She goes, I've got four. I'm like, Sell

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them. And she said, I would like to, but my husband just can't

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let go of this. He can't let go of this. And it's really interesting to see this. If you have

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emotional attachment to objects, they can start to create

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a lot of financial turmoil in your life. So you can ask yourself the question, do

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you want the thing? And do you want the relationship with the thing that doesn't have any

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feelings, but you have feelings for it? Do you want that? Or do you want the feeling

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of financial freedom? Do you want the feeling of financial independence? Do you want to

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be stress-free and financially at peace? What

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would you prefer? Your choice, right? So step four is to sell

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stuff and pay it off faster. That's a very important step. Start looking

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now. Put stuff on Facebook Marketplace. Go take some photos of it. List

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it on there. Get some inquiries. Go sell it. Go sell it.

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Go sell it, right? And of course, step number five, it

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seems like you might not be able to be trusted with debt. So

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here's the thing. If you know that this is a downfall for you or

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it's a weak point, that's okay. It's just prevented

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in future. So what that means is if you've got the cards, cut

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them up. and just make a very strong money rule

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that you don't use debt, right? We don't use debt here,

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okay? One of my strong money rules is I never borrow money

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unless I know I can pay it back in full in cash anytime, which

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has kind of prevented me doing big deals that I could have probably done, but I

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much prefer to sleep at night soundly, right? So cut

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them up, and then you can start building cash. And once you can

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start building cash, then you can start planting your very own

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money tree. Imagine what it's going to be like when you've actually planted a money tree,

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you've taken some cash, you've made some investments in something, and

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then you've actually had some money come back to you. Then all of a sudden, you've got the opposite

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of a credit card debt. You've actually got someone paying you money. And that's the

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position I want you to be in. All right, you thought that was five steps, but... Wait,

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there's more, not steak knives. I'm gonna give you one bonus step

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here, which means this is very important. So sometimes

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you're so swamped in credit card debt that you literally almost

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can't get out of it. And I get it. I've had students have that happen to them. And we had to

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go to DEF CON 5, right? Which is talking to your credit card company

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about some sort of payment help program that they have available, which

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are available depending which country you live in and which credit cards, your debts

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you've got and so forth. there are programs to help you

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alleviate the debt. However, understand this, if

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you do that, it will have an impact on your credit score. So just

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be careful, don't bite off more than you can chew and don't go down that

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path if it's gonna wreck your score, but if you need to get out of jail, get out of jail, right?

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So have a chat to your credit card company, ask them for ways to negotiate the

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debt and ask them for ways to help your payment through that because the

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last thing you wanna do, the last thing you wanna do is

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go bankrupt. Okay, so go have a chat to them, see what they got an offer, but

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everything is negotiable, including credit card debt, depending where you live. So

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go do that. Hope that step helps you. It's a bonus, go do it.

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But by all accounts, avoid it. Okay, avoid credit card

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debt. So if you want to know, and you probably asking yourself, when

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is it appropriate to get into debt? Is that good debt? Is that bad

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debt? The answer is yes, there are. There's two different types of debt. And you can use

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it effectively. How to do that is on another episode. Go check it out. So

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don't delay. Start implementing these steps today. Sit

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with your spouse and say, honey, we've got some problems here. We

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need to sit down and we need to discuss it. Because what can happen is if you don't communicate

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as a couple, then things can get out of control. I had a student once recently.

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That's exactly what happened to him. He said, I've got all this credit card debt, but don't tell my

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wife. I'm like, ah! That's a big red flag, okay? Not

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just in your money game, but in your relationship game. So it's

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time to take the gloves off, it's time to raise the white flag,

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go and have a chat with your spouse, sit down and say, honey, I may have done this or this, it's

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time to get this under control. Will you help me? And they'll come, it's

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their problem too, right? So they'll come and say, yep, it's time to do this. So sit

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down, go through it, list them, write them all down, identify

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the most expensive, Find some way to get an interest-free card to

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power something else and snowball it, snowball it, snowball it. Sell

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stuff, be brutal. And of course, number five, cut

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them up. Build some cash because then it's time to plant your

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money tree. All right, so I hope you've enjoyed the episode. If you've gotten value, go

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hit the subscribe button. Check out the other episodes. But most importantly,

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I'd love to know in the comments, pop down below which step you're

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gonna do next. Thanks for listening to Money Grows

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on Trees. If you enjoyed the episode, leave a five-star review on Apple

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Podcasts and Spotify and subscribe to us on

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YouTube so you never miss an episode. And if you're serious about building wealth,

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make sure to check out the links in the show notes and follow me on all

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social media platforms at LloydJamesRoss for