If you’re ready to break free from the cycle of debt and finally achieve lasting financial freedom, “Say Yes to No Debt: 12 Steps to Financial Freedom” by DeForest “Buster” Soaries, Jr. is the guide you’ve been searching for. Built on the inspiring dfree™ movement, this book goes beyond basic financial tips and tackles the emotional, spiritual, and psychological roots of financial struggle. Dr. Soaries brings the wisdom of his personal journey and years as a pastor and community leader, offering a compassionate, step-by-step plan that feels like advice from a trusted friend.

Inside, you’ll discover twelve practical, attainable steps designed to help you take control of your finances, eliminate debt, and build real wealth. Whether you dream of traveling, buying a home, or enjoying a stress-free retirement, this book empowers you to make it a reality. If you’re tired of the burden of debt and ready to say yes to financial independence, this is your must-have roadmap.

Say Yes to No Debt: 12 Steps to Financial Freedom

Why This Book Stands Out?

• More Than Just Financial Advice: Unlike typical financial guides, Say Yes to No Debt addresses the emotional, spiritual, and psychological roots of debt—offering a truly holistic path to financial freedom.
• Real-World Experience: Dr. DeForest “Buster” Soaries, Jr. brings wisdom from his roles as a pastor, public policy maker, and community leader, making his guidance both relatable and practical.
• 12 Attainable Steps: The dfree™ movement provides a clear, step-by-step process that anyone can follow—no financial jargon, just straightforward action.
• Community-Driven Approach: Learn how to not only improve your own finances but also inspire and mentor others, multiplying the impact of your journey.
• Celebrate Progress, Not Just Results: The book encourages you to acknowledge every milestone, turning the journey out of debt into a series of rewarding achievements.
• Focus on Giving Back: It’s not only about personal gain—discover how financial freedom allows you to invest in others and make a lasting difference.
• Accessible and Encouraging: Written in a warm, motivating style, this book makes the goal of living debt-free feel possible for everyone—no matter where you’re starting from.

Personal Experience

When I first picked up Say Yes to No Debt: 12 Steps to Financial Freedom, I was at a crossroads with my own finances. Like so many others, I had always believed that managing money was simply about numbers and budgets. But this book made me realize that financial freedom is so much deeper—it’s just as much about our mindset, emotions, and even our spiritual well-being as it is about dollars and cents.

Reading Dr. DeForest “Buster” Soaries, Jr.’s words felt like having a heartfelt conversation with a wise mentor who truly understands the real-life struggles of everyday people. What resonated with me most was his honesty about the emotional weight of debt. I remember the relief I felt when the book encouraged me to first admit the problem, rather than hide from it. For the first time, I didn’t feel judged—I felt empowered.

• Admitting the Problem: It felt liberating to acknowledge my debts openly, without shame. That first step gave me the courage to confront what I had been ignoring for too long.
• Addressing the Mess: The practical advice in the book made the overwhelming task of sorting through my finances feel manageable. Breaking things down into small, achievable steps helped me regain control.
• Adjusting My Attitude: I learned to view my financial journey as a process, not a punishment. Changing my mindset made all the difference—suddenly, the future felt hopeful instead of daunting.
• Building Wealth and Celebrating Success: The book doesn’t just stop at getting out of debt; it pushes you to dream bigger, to build for your family’s future, and to truly celebrate your wins along the way.
• Giving Back: Perhaps most inspiring was the encouragement to help others once you’ve found your footing. The idea of mentoring and leading by example made my financial journey feel purposeful, not just personal.

If you’ve ever felt overwhelmed by bills, or wondered if true financial freedom is even possible, this book speaks directly to those fears and hopes. I found myself highlighting passages, jotting down notes, and even sharing insights with friends. It’s not just another financial book—it’s a companion on the journey to a life free from financial stress. For anyone who loves books that offer both practical advice and heartfelt encouragement, Say Yes to No Debt will resonate deeply.

Who Should Read This Book?

Are you tired of feeling overwhelmed by debt or wishing you could finally get ahead financially? If so, Say Yes to No Debt: 12 Steps to Financial Freedom is written just for you. This book is a must-read for anyone ready to break free from the cycle of debt and step confidently toward a brighter, more secure financial future.

This book is perfect for:

• Individuals struggling with debt — Whether you’re facing credit card bills, student loans, or other financial burdens, this book offers practical, step-by-step guidance to help you take control and start your journey toward freedom.
• Anyone seeking a holistic approach to financial wellness — If you recognize that money isn’t just about numbers, but also emotions, habits, and beliefs, Dr. Soaries’ unique perspective will resonate with you and provide tools to transform your mindset.
• Faith-based communities and church groups — Built on real-life experience and spiritual insight, the dfree™ movement’s principles are especially powerful for those who want to align their financial habits with their values and faith.
• Young adults and recent graduates — If you’re just starting your financial journey and want to make smart decisions from the beginning, this book will empower you to avoid common pitfalls and build a solid foundation for your future.
• Anyone who wants to give back — The book doesn’t just stop at personal freedom—it inspires you to help others by mentoring, tithing, and leading by example in your community.

What makes this book stand out is its compassionate, realistic approach. Dr. Soaries understands that financial challenges are about more than just money—they involve emotions, habits, and even spiritual well-being. Instead of overwhelming you with technical jargon, he provides twelve attainable steps you can start using right away, no matter where you’re starting from.

If you’re ready to finally say “yes” to a life without financial stress—and “no” to the burden of debt—this book is your trusted guide. Let Say Yes to No Debt walk you step-by-step toward lasting financial freedom!

Say Yes to No Debt: 12 Steps to Financial Freedom

Key Takeaways

If you’re looking for a practical, real-world guide to escaping debt and achieving lasting financial freedom, Say Yes to No Debt: 12 Steps to Financial Freedom by DeForest “Buster” Soaries, Jr. delivers much more than just financial advice. Here’s what makes this book stand out and why it’s worth your time:

• A Holistic Approach: The book tackles debt from emotional, psychological, and spiritual perspectives, not just financial, helping you understand the deeper reasons behind your money habits.
• Step-by-Step Guidance: The dfree™ movement’s twelve steps are clear, attainable, and designed to guide you from acknowledging your debt to building wealth and giving back.
• Personal Accountability: You’ll learn how to become accountable for your spending, create a realistic budget, and set practical goals that lead to measurable progress.
• Empowerment to Change: By focusing on attitude adjustments and addressing the “why” behind debt, the book empowers you to break free from financial bondage for good.
• Building a Better Future: Beyond just eliminating debt, you’ll find strategies for growing wealth, planning your estate, and ensuring lasting financial stability.
• Giving Back: The journey doesn’t stop at personal success—the book encourages readers to invest in their communities through tithing, mentoring, and leading others toward financial freedom.
• Real-Life Wisdom: Drawing on the author’s experience as a pastor, community leader, and policy maker, the advice is relatable, compassionate, and rooted in real-life challenges.
• Actionable Tools: Each step includes practical exercises and tips so you can immediately start making positive changes in your financial life.

Whether you’re burdened by debt or simply want a roadmap to a more secure financial future, this book offers the tools and motivation you need to take control and thrive.

Final Thoughts

“Say Yes to No Debt: 12 Steps to Financial Freedom” by DeForest “Buster” Soaries, Jr. is much more than a guide to managing your money—it’s a transformative roadmap to lasting financial freedom. Drawing on years of personal experience and heartfelt wisdom, Dr. Soaries presents a step-by-step approach that goes beyond numbers, addressing the emotional and spiritual aspects of financial well-being. Whether you’re just starting your journey to debt freedom or searching for motivation to keep going, this book offers practical, actionable steps that anyone can follow.

• Discover twelve clear, attainable steps grounded in real-life experience
• Address financial challenges holistically—mind, spirit, and wallet
• Learn to create a spending plan, build wealth, and give back to your community
• Find inspiration to break free from debt and embrace a life of abundance and purpose

If you’re ready to stop feeling overwhelmed by bills and start building a future filled with opportunity and security, this book is the perfect place to begin. Let “Say Yes to No Debt” be your trusted companion on the journey to financial empowerment.

Don’t wait another day to change your financial story—click here to get your copy now and take the first step toward true financial freedom!