90-Day Debt Free Fast Track
Pay Off Debt Without Burning Out — Together.
January 1 – March 31, 2026
A New Year. A New Mindset. A New Start.
You’ve tried budgeting apps, debt snowballs, “no-spend” months, and motivation playlists that only lasted two weeks.
Your numbers say it should be working… but life keeps happening.
This time, you’re not doing it alone.
The 90-Day Debt Free Fast Track is your guided, community-powered reset to finally make your debt payoff plan stick.
Together, our goal is to help our community pay off $100,000 of debt in just 90 days.
Not from restriction, but from momentum, accountability, and proven systems that actually fit real life.
The Fast Track Formula
4 Live Calls. 3 Challenges. 2 Books. 1 Goal.
The first 3 months of any big goal are always the hardest. We’ve experienced this firsthand and we want to help you get through yours with expert insight and a supportive community.
Part 1: The Live Calls (with Jen & Jill!)
All calls are live on Zoom (with replays available next day) and will have a theme that goes along with the books and challenges.
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Mostly In: The Life-Changing Magic of Not Going “All In”
Discover how moderation — not extremes — creates lasting success. -
Who Are You?: Why You Impulse Spend and How to Control It for Good
Uncover your personal money patterns and learn tools to finally stop the self-sabotage cycle. -
Side Hustles for Success: How to Bring in an Extra $500/Month FAST
Simple, real-world income strategies that work without taking over your life. -
Elephant Steady: Sticking With Your Debt Payoff Goal
The mindset, structure, and community that make consistency feel doable.
Part 2: The 3 Skill-Building Challenges
Each challenge is designed to jump-start your progress and build good habits fast
No-Spend Challenge
Reset your spending triggers in January
Meal Prep Challenge
Save hundreds in February without giving up convenience.
Side Hustle Challenge
Find and launch your first (or next) income boost in March.
Part 3: Book Club
You’ll get digital copies of 2 of Jen’s best-selling books:
- The No-Spend Challenge Guide
- Pay Off Your Debt for Good
Bonus: The Financial Reset ($297 Value)
Get instant access to The Financial Reset, our 5-week course to reset your finances, transform your mindset, and start your year with clarity and control.
Experiences From Past Challengers
Why This Works
We go fast alone.
But we go further together.
Inside the Fast Track, you’ll find:
A private group space (not on Facebook!) for accountability & encouragement
Weekly check-ins to celebrate milestones
Real community. No judgment, just progress
This isn’t another “bootcamp.” It’s 90 days of accountability built around your real life with structure, grace, and people who understand the struggle.
Early Bird Enrollment
Ends December 16 at 11:59 PM-
4 Live Calls With Jen & Jill
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3 Skill-Building Challenges
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2 Free Personal Finance Books
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BONUS: The Financial Reset Course
Ready to Join the Movement?
One goal: $100,000 of debt paid down in 90 days.
Join the 90-Day Debt Free Fast Track today and make this the year you finally see progress that lasts.
FAQ
Who is this for?
Women ages 25–55 who are serious about paying down debt, especially if you’ve tried to budget before but can’t seem to make it stick. You don’t need to be perfect with money; you just need to be ready for real progress.
How much time does it take?
Plan for about 2–3 hours per week. Live classes are 60–90 minutes, challenges are flexible, and you’ll have access to replays and digital resources fro the entirety of 2026.
Do I need to be on every live call?
Nope! Everything is recorded. You’ll get replays and can follow along at your own pace.
Is this program just for beginners?
Not at all. Whether you’re brand-new or already paying off debt but feeling stuck, this is your 90-day reset to rebuild motivation and accountability.
How do I access the community?
You’ll be invited to a private online space (not Facebook) for group discussions, accountability threads, and celebration posts.
What’s the refund policy?
Because of the digital nature and instant access to bonuses, all sales are final. But we’re confident you’ll love the structure, support, and results.
👋 Meet Your Cheerleaders
Jen Smith & Jill Sirianni, co-hosts of the Frugal Friends Podcast and co-authors of Buy What You Love Without Going Broke, have helped millions of women simplify money, break free from shame-based financial advice, and make progress that actually feels good.
They’ve both paid off tens of thousands in debt, built sustainable financial systems, and learned firsthand that you don’t have to give up joy to find freedom.
Now, they’re bringing that same mix of strategy, empathy, and community to help you do the same, one intentional step at a time.
