Saen Higgins’ Wealth Without Risk Isn’t the Solution I Was Looking For. – Debbie

“Dear Steve,

I found you on the internet when I went to look up info on Saen Higgins’ Wealth Without Risk program.

I have about 30,000 dollars in credit card debit and 30,000 dollar home equity loan that I’m only paying the interest on. I’m not behind on any payments but I live paycheck to paycheck.

What can I do to start getting out of debit?


Dear Debbie,

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

When you have no spare cash, no emergency fund, and just making it month-to-month or paycheck-to-paycheck, it’s probably not the best time to launch into some scheme like that of Wealth Without Risk.

Embarking on a journey to become your own boss or start your own business can be an exciting adventure but pursuing something when you have no money you can risk to lose is a disaster waiting to happen.

It sounds to me that you’ve used the borrowed money to just get along and make ends meet. If not, what did the debt come from?

Based simply on the information you’ve share it does not sound like a debt settlement or credit counseling approach is going to be a good fit for you. And since you have a home equity loan I’m going to assume you have a home with some equity in it.

In this case I’m thinking the first solution to explore would be a debt consolidation loan from LendingClub.com. I’d advise you to check out the rates and payments there first and see if that will give you the monthly breathing room you are looking for in your budget.

After you check that out then come back and post an update in the comments below.

Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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