In 2001 Amir and Amy Rubin consulted with a certified financial planner. This professional did his job and provided all the necessary information to understand the need for life and disability insurance. However, the real reason for approaching this professional was to determine how to best allocate monthly incomes. Unfortunately, none of the meetings that followed yielded the desired result, a detailed financial plan.

Over the years bills were paid on time and life appeared to be financially on track. "On track to what" was always the real question. They saved as much as possible through their employer retirement programs and strived to maintain an emergency fund.

After having kids and contemplating college savings plans, they decided that their financial situation required a complete overhaul if they were going to pay for weddings, college and retirement.

Mastering My Debt is the outcome of this financial overhaul. By going through this process they realized that millions of people could benefit from a financial road map tailored to their debt obligations and future needs. Mastering My Debt offers a free debt elimination program and financial calculators which are paid for by the advertising throughout the site.