The hardest part was deciding. You already did that.
One hour, your real numbers, and a written plan showing the order to attack this in and roughly how long it takes. No judgement about how it got this way.
- This does not touch your creditNo settlement, no consolidation, no credit repair. A plan using money you already have.
- Your numbers stay yoursBank-level encryption. Never sold, never shared, never sent to a collector.
- A real hour with TimOne to one, not a group call and not a recording. He builds it while you watch.
So there are no surprises: this is a one-time payment today, and then $39.99 a month for your 15-minute plan reviews. Six-month commitment, month to month after that, and you can cancel any time.
Your details are just below.Takes about four minutes. Then Tim takes it from there.
Here is everything you just said yes to
You are paying for Tim's time and the plan that comes out of it. Not a course, not a PDF you will never open.
- A full hour with Tim, one to one, not a group call
- Your Four Legs of Balance built out with your real numbers
- A written debt elimination plan, with the order and the timeline
- Your personal worksheet, filled in and yours to keep
- A 15-minute review every month for six months
- Ongoing reviews after that for as long as you want them
What happens the moment you submit
- 1
A confirmation email lands first
Within a few minutes, with your booking link and the short list of numbers to pull together before your hour. Rough numbers are fine.
- 2
You pick your hour
One link, about thirty seconds. If nothing on the calendar works for you, leave it and someone from Tim’s team will reach out to find a time.
- 3
You leave with the plan, not homework
Tim builds it while you watch, so you understand every line. Nothing to fill in later and figure out alone.
About the $39.99 a month. After your session, your plan is reviewed with you for 15 minutes a month. That is a six-month commitment, then month to month for as long as it is useful, and you can cancel any time.
It exists because most people do not fail on the plan. They fail around week six, when something unexpected hits and there is nobody to call. That is the somebody.
Straight answers to the three things people ask
Will this hurt my credit?
No. This is not debt settlement, consolidation or credit repair. Nobody contacts your creditors and nothing is negotiated on your behalf. It is a plan for money you already have.
What if my numbers are a mess?
They usually are, and that is the point of the hour. Bring what you can find and bring the questions for the rest. Knowing where to look is part of what you are paying for.
Am I locked into the monthly?
Six months, then month to month for as long as it is useful. Cancel any time. Most of those calls run ten minutes, and the quiet months are the good ones.
If you have to take Social Security at 62 just to retire, you cannot afford to retire.
Debt is the reason most federal employees take their benefits early and smaller. Fix this part and the whole retirement math changes, because you get to choose when you leave instead of a balance choosing for you.
FedUp Group provides financial education and debt elimination coaching. The Four Legs of Balance is an educational framework. It is not a debt settlement, debt consolidation or credit repair service, no creditor is contacted on your behalf, and no specific result is promised. Individual results depend on your own circumstances and follow-through. Nothing here is legal, tax or investment advice. FedUp Group is not affiliated with, endorsed by, or acting on behalf of the U.S. Office of Personnel Management, the Thrift Savings Plan, or any federal agency.