The Debt Payoff Blueprint: A Realistic Step-by-Step Plan to Eliminate Your Debt

Grace L Samson is a personal finance educator, writer, and debt payoff coach who has spent over a decade helping people replace money stress with workable, guilt-free systems. She is the author of *The Debt Payoff Blueprint* and the creator of *The Everyday Budget*, a newsletter and podcast for readers who want practical money advice without the shame.

Grace's own journey began the way most debt journeys do: quietly, one purchase at a time. Between student loans, a car she could not quite afford, and credit card balances she avoided opening, she found herself $52,000 in debt at age twenty-nine. Over the next four years she tested nearly every repayment strategy in print, kept only the ones that survived contact with real life, and paid off every dollar. That experience became both her coaching method and the backbone of this book.

Before writing full-time, Grace worked in financial services and earned a degree in economics. Her writing and coaching blend the numbers side of money with the human side—how shame, habit, and motivation shape the choices we make. She lives in Denver, Colorado, with her husband and two children, and she is at work on her next book about building wealth after debt.