The system is designed to keep you BROKE. Let’s break the system.
Look, nobody wakes up in the morning excited to read about credit utilization rates.
If you are here, it’s not because you love spreadsheets. It’s probably because you feel a weight on your chest. Maybe it’s the student loans that never seem to go down. Maybe it’s the credit card balance that hovers over you like a dark cloud. Or maybe it’s just that nagging feeling that despite working hard, you aren't actually getting anywhere.
We get it.
Go Out Of Debt isn't just a website name. It’s an instruction.
The Truth About Money
Most financial advice is written by people who have never had to choose between paying the electric bill or buying groceries. They tell you to "stop buying lattes" as if a $5 coffee is the reason you can’t afford a house.
That’s nonsense.
I believe that debt isn't a moral failing. It’s a math problem. And often, it’s a trap set by banks and institutions that profit when you stay stuck. They want you making minimum payments forever.
I want you free.
What We Do Here
This publication/blog is the manual they forgot to give you in school. We strip away the jargon and the judgment to give you raw, actionable strategies.
We focus on three things:
- The Exit Strategy: Tactical methods to destroy debt fast (Snowballs, Avalanches, and negotiation scripts that actually work).
- The Defense: Budgeting that doesn't feel like a punishment. It’s about telling your money where to go so you don't wonder where it went.
- The Freedom: Building real wealth once the hole is filled.
No Magic Pills
Here is the disclaimer: I don't sell quick fixes. There is no secret button to press that makes the numbers turn green.
Getting out of debt takes grit. It takes saying "no" to things now so you can say "yes" to everything later. It’s going to be boring sometimes. It might even be hard.
But the view from the other side? It’s worth every second.
Who Is Behind This?
My name is Marius Vișan.
I’m a 38-year-old software developer based in Romania, a husband, and a father to two daughters. I didn’t start this site because I’m some Wall Street genius. I started it because I’ve stood exactly where you are standing right now.
For years, I was trapped in the cycle—earning, spending, owing, and panicking. eventually, I hit a wall. I couldn't face it anymore. I actually snapped and quit my steady job to start my own software company.
Looking back? Quitting without a safety net was a terrible idea. I don't recommend it. But that pressure cooker forced me to learn how money actually works, not just how to spend it. I built this platform to share the roadmap I wish I had back then.
Your First Step
If you are reading this, you’ve already done the hardest part: you admitted you want something different.
Don't close this tab and say "I'll start Monday." Start now. Read one article. Download one template. Subscribe to the newsletter.