Debt Free Dad is a website dedicated to helping individuals and families eliminate debt and achieve financial freedom. It offers a variety of resources including a Debt Freedom Planner, educational courses, and the "Roots" membership program, which provides step-by-step guidance, support, and accountability for managing finances. The site also features success stories, a podcast, and practical tips on budgeting, saving, and paying off debt. The goal is to reduce financial stress and improve financial well-being of its users. Brad, shares valuable insights on budgeting, debt reduction strategies, and financial planning. The conversation delves into shedding light on societal norms around debt, the impact of social pressures on spending habits, and the importance of setting clear financial goals. Key takeaways: Debt as a societal norm: Brad opens up about how debt has become normalized and heavily marketed, making it seem abnormal not to have debt. He emphasizes the role of parental influence and societal pressures in shaping individuals' financial habits. Mortgage approval without credit score: Brad discusses how some individuals have successfully secured mortgages without a credit score through lenders using manual underwriting, showcasing alternative ways to establish creditworthiness. Car payments and mortgages: Brad highlights the negative impact of high car payments on mortgage approvals, emphasizing the need to make intentional decisions regarding finances and prioritize saving over impulsive spending.For more information, visit https://www.debtfreedad.com/    00:00 Debt has become a societal norm. 06:47 Mortgage obtained without traditional credit score system. 08:20 Concerns about financial advice and debt management. 14:28 Eating out and instant purchases impact finances. 18:32 Change mindset and tools to improve finances. 21:16 Social pressure from peers drives lifestyle choices. 23:09 Don't regret starting to manage money early. 27:45 Take responsibility for financial success, not blame. 30:07 Thanks for listening and subscribing, see you! ----------------------------------------------------- PRE-ORDER MY GAMESTOP BOOK - https://wen-moon.com  Cast-Magic: The World's Most Powerful Content Tool (30% off with code Casting30) - https://get.castmagic.io/4ktvtch68y67  Make Professional Looking Clips In Seconds With Opus - https://www.opus.pro/?via=ee2b04  Buy Brexit: The Establishment Civil War - https://amzn.to/39XXVjq    ----------------------------------------------------- You can listen to the show on Spotify, Apple, and all major platforms - https://chatterpodcast.podbean.com/  Watch Us On Odysee.com - https://odysee.com/$/invite/@TheJist:4    Join My Mailing List - https://www.getrevue.co/profile/thejist  Follow Me On Twitter - https://twitter.com/Give_Me_TheJist  ----------------------------------------------------- Website - https://thejist.co.uk/    Music from Just Jim – https://soundcloud.com/justjim