I'm a Member, take me to my Dashboard
Find out how soon you'll be debt free with HUG

is the positive, proven solution to managing 

your Debt, Budget & Retirement.

Yes, ALL your debt — even mortgages and student loans!

This is not consolidation, refinancing, settlement or bankruptcy.

HUG is different! It’s our formulas, methods, techniques and support that help rid you of your debt lightning fast.

You'll shave years off your debt, save loads of interest, and your credit will improve - all without increasing your monthly outlay.

We'll give you a free, confidential, personalized analysis in less than ten minutes, with
no obligation, no pressure and no spam.

Get My Free Analysis Now


Here’s how HUG helps get and keep your plan on track

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Client Portal

As a Member you’ll gain access to your own personalized Client Portal and Dashboard. Here you’ll find your fully customized, dynamic Debt Payment Strategy to help you stay the course and pay off all your debt in half the time or less. And, HUG Your Budget to  help manage and balance all your other expenses. Plus, for motivation and support, loads of on-demand video tutorials, FAQs, expert interviews, webinars and more are all available in your private Dashboard area at no additional cost.

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Once you enroll in the program you’ll have access to our personal financial coaches and Money Doctor webinars. We’ll not only help you pay off your debt lightning-fast, we’ll coach you as you balance your budget, build cash reserves, and plan for a comfortable retirement, all without sacrificing your lifestyle. Along the way you learn valuable money management skills, improve your relationship with your money, and by extension, maybe even your partner!

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Contingency Modelling

We know that fresh challenges are always emerging, so HUG can run forecast scenarios for your ideas. HUG helps you adjust with speed and agility to handle unexpected expenses without derailing your plan — all safely and efficiently, presenting various options for you to choose from, giving you the feedback and data you need to feel calm about your decisions.

Let's Get Started!

3 Plans to Choose From

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  • HUG's interactive online Client Portal for managing your budget and debt
  • Personalized dashboard with access to our extensive library of video tutorials, interviews with experts in plain english, and video FAQs
  • On-boarding Zoom session
  • E-Book Debt or Alive by Dr. Frances Rahaim
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Group Guided

Our most popular plan

  • Everything in the DIY plan PLUS weekly group video coaching calls with Q&A sessions
  • Members love this motivational support and guidance, which keeps their plans on track
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Full Financial Coaching 

More complex situations require a high level of “solutionizing”.

Benefit from our special attention and custom tailored advice in private 1-to-1 video sessions without hourly fees.

You get everything in the DIY and Group Guided plan PLUS direct contact and one to one support for one low monthly fee.

Imagine if your attorney or accountant offered such a plan..!

HUG plans start at just $39 per month.

You're in control. You continue to make your payments to your creditors directly, while our system guides you automatically.

We work for YOU. We don't report to credit reporting agencies, and no one will know you're working with us unless you tell them.


Get your FREE personalized analysis right now -

to see instantly...

  • how fast you could pay off your first debt
  • how soon you’ll be completely debt free
  • how much money you'll save overall

Our site is secure.  We don't ask for sensitive data like account numbers and Social Security numbers.

CLICK to get your free, confidential analysis!

...what if your situation is complex, unique, and could become a major problem if we don't do it right?

Our full financial coaching plan goes far beyond debt to help you manage complex Budgeting, Retirement Planning, Business Coaching, and all the challenges successful people like you face.

We love 'solutionizing' unique problems and putting the full expertise of HUG to work for you!

Let's begin a conversation so we can better understand your current situation, and how we can alleviate your stress so you can focus on your future.

Your experience brought you this far.  Working with a HUG coach will be your next smart decision.

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Learn about our Full Financial Coaching

Hear what people are saying about HUG

You'll feel good about money when your debt is evaporating and your future becomes secure.

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"I wish to take this opportunity to thank you for teaching me to lower my debt and to truly be comfortable with money and being able to manage it without freaking out. A very valuable body of knowledge! I think everyone should utilize your services.

Thank you so much for your calm, lack of judgment approach. I left your office that day feeling very confident about money and all it’s potential pitfalls as well as its benefits.

Thank you so much,
Carol M.
PS: loved your book!"

Okay, let's DO THIS!
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