How Marcus went from $15k Debt to a $450k Home with the Debt-Free Home Buyer Plan

The "I'll Never Afford This" Trap

Marcus was 28, living in Calgary, and feeling trapped. He had $15,000 in credit card debt at 19.99% and $400/month in minimum payments. He wanted to buy a home, but every time he looked at a mortgage calculator, the $30,000 down payment seemed impossible while carrying that debt.

Phase 1: The Debt Avalanche

Using our Debt-Free Home Buyer Analysis, Marcus realized that his $400/month payments were his secret weapon. By focusing on the 19.99% card first (the 'Avalanche'), he predicted he'd be debt-free in 22 months. The tool showed him exactly how much interest he'd save by not dragging the debt into his home-buying years.

Phase 2: The Automated Pivot

This is where the math got exciting. Marcus didn't need to 'find' more money for a home. The tool showed that once the debt was gone, he could pivot that same $400/month (plus the interest he was no longer paying) directly into a high-interest savings account. In another 28 months, he had his $25,000 down payment ready.

Phase 3: The Ownership Reality

When Marcus finally entered the 'Mortgage' phase of the plan, he was buying with a clean slate. No credit card debt weighing down his TDS ratio. He qualified for a better rate and moved into his $450,000 home just under 4.5 years after starting the plan.

"The best part wasn't just the math—it was seeing the light at the end of the tunnel. I knew exactly which month I'd be debt-free and which month I'd have the keys."

Ready to build your roadmap? Try the Debt-Free Home Buyer Tool in our AI Chat or read the Full How-To Guide.