For the better part of six, seven years, we made essentially no progress financially.

If anything, we regressed because of interest payments on our debts.

And in the span of probably less than three years, we've almost entirely wiped out our debt,

putting ourselves into a really strong financial position in our early 30s.

But it was so much of just working the process, trusting the process.

But then also just networking and talking to other like-minded people because, yeah,

there have been a lot of times when we were like, forget this business.

We're done.

Yeah. lot of times when we were like, forget this business. We're done. Welcome to the real estate and financial independence podcast. I'm your host, Chad

Carson. You can also call me coach, and this is a show all about helping you get out of

the financial grind so you can do

more of what matters. Whether you're a brand new listener or a long-time listener, it's always an

honor to have you back for another episode. The topic of today's episode is from $100,000 in student

debt to financial independence in their 30s. This is an interview with Ali and Josh, also known

as the Phi Couple on Instagram.

Hopefully you know by now listening to this podcast that I love bringing you real world stories,

and not just stories of people who've already climbed the mountain and achieved financial independence,

but even better, people in the trenches who are doing it, who are in the middle of their journey.

And that's exactly what you're going to get today with Ali and Josh just a few years ago. Back in 2018, they had graduated from college. They

started their career. They got married. And they kind of woke up and got a little jaded by the

fact where they were financially. They were $100,000 in student debt. They both had careers,

which they followed their passions and their

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