7 Habits of Debt Free Men


Having this much money saved is far better than owing this much

For the first time in my adult life I am not worrying about bills. That is an incredibly liberating and unusual thing to say in modern times. From the time a man becomes “legal” at age 18, debt is seen as “normal” as any bodily function. No sooner than he’s out of high school does he enter in to the rubber stamp system, taking on an average of $30,000 in non-bankruptable, crushing debt for an increasingly worthless college degree. After getting the magic paper, he then goes in debt for a car, a house, takes out some credit cards, maybe a few personal loans, and spends the best years of his life in bondage trying to pay for it all – with interest! After being taken on that ride, I decided, as you may decide, I wanted off that ride.

Debt has been “normalized” so that it could become a system of social control. Comedian Bill Hicks sums up the sad life of the average American debt slave in this routine:

If you want to understand a society, take a good look at the drugs it uses. And what can this tell you about American culture? Well, look at the drugs we use. Except for pharmaceutical poison, there are essentially only two drugs that Western civilization tolerates: Caffeine from Monday to Friday to energize you enough to make you a productive member of society, and alcohol from Friday to Monday to keep you too stupid to figure out the prison that you are living in.

Part of waking up from the programming of The Matrix is learning there is another way, a better way of handling money than the financial script sold to us all by the puppet masters in society. Learning the financial behaviors of Red Pill, debt-free men will go a long way in helping a man extricate himself from a system designed to exploit him.


Escape the prison for your mind by learning the tricks that put men into financial bondage

The List

1. Debt-free men avoid buying on credit like the plague. The Red Pill man realizes debt is not a “tool” as much as an instrument of slavery. Rather than asking, “How much down and how much per month?” he looks at the total cost of each purchase – including interest. Suddenly, that low car payment looks like a financial disaster when a man realizes he will be paying an average of $7,000 in interest just for the pleasure of driving a depreciating asset, one that will look like every other car on the block in 6 months.

2. Debt-free men and save up for large purchases. Ironically, when I started saving money and had a fat bank account, my urge to splurge went to almost zero. The debt-free man can walk right by incredible “sales” of consumer items that are an incredible 50% off and not flinch because he knows it’s 100% off each purchase he does not make. He also saves up for large purchases, giving him bargaining power instead of being turned into a slave of his lender.

3. Debt-free men live within their means. Living on a budget is key, as is jettisoning quarrelsome, materialistic women as Proverbs recommends. If a woman is causing you to break your budget, she is not worth it. The Red Pill man is often a minimalist by nature, and can get by and even thrive on very little money. Rather than breaking the bank to impress with conspicuous consumption, he lives simply and confidently.

4. Debt-free men are not henpecked or irresponsible. Women can be financial disasters for men since they power 80% of wasteful consumerism in Western civilization. Four out of five spending decisions are made by or influenced by women. Feminists may hate it, but the economy proves they are still gatherers. The most important word the Red Pill man can learn is “no.” No, I will not buy that. No, you don’t need that. No, I’m not going to stop you from leaving because you can’t filch my wallet.

5. Debt-free men are confident. A man who is not a financial slave is confident, and his confidence grows as his bank account and investments grow. He knows if a problem arises or a job loss plagues him, he has ample funds to back himself up. By contrast, a man who is worrying about how he’s going to pay his payments on time and watches powerlessly as his paycheck comes in and goes right back out is a subservient man. He’s powerless to push back against his boss and his wife.

6. Debt-free men are freedom and goal oriented. There is nothing sweeter than freedom and freedom is responsible for a whopping 40% of happiness psychologically. Money buys freedom. The debt slave will never have freedom as he follows marching orders and begs for cash by filling out loan applications and makes monthly payments his entire life rather than taking control of his financial destiny.

7. Debt-free men are not materialistic. Red Pill men know that materialism and consumerism do not buy happiness. They also know that possessions often become a prison, inhibiting them from what they really want to do. It’s a weak man indeed that says he is willing to become a slave for some material crap that he doesn’t have the money for.


Take the road less traveled

Two Roads Diverge

Making the mental shift from having the psychology of a slave, begging for money from lenders to having the mentality of a confident man with money to back him up sounds simple, but for many men it is a tough transition to make. To me, I had to be neck deep in a mess before I decided enough was enough and I wasn’t living like that anymore. That was almost 10 years ago. Robert Frost wrote about choices like these in 1920:

Two roads diverged in a wood, and I—
I took the one less traveled by,
And that has made all the difference.

Debt holds men back, it does not empower them. Having money in the bank and investments takes sacrifice and time, but will lead you to a much better place in life. Take the road less traveled, the road that leads away from debt bondage and materialism. It will make all the difference. As financial guru Dave Ramsey tells audiences nationwide: You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke. Normal is also being a debt slave.

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