We Retire Debt

So Our Clients Retire Well!

I was paying $10,800 monthly in “good debt” payments. Yes, you read that correctly! 

When I say debt, I’m not talking about just credit card debt. You may think of your Mortgages, Student Loans and Car loans as “liabilities”, but let’s face it, it’s all debt and if you have it, even good debt, it’s soaking up your income and impeding your ability to save more for your future. 

The Truth is, Debt Affects Retirement in a BIG WAY!

If you’re still carrying debt at retirement, these loan payments deplete your nest-egg, reducing the capital available to generate retirement income!

But you can reverse the effects if you act!  Even if you can’t afford higher monthly payments, HUG can help you pay off all your debt quickly and improve your Retirement picture significantly!

Consider This..

Take a moment and total your monthly loan payments. Remember to include ALL debt, mortgage, credit cards, 401k loans–everything. 

Now… imagine that money in your pocket.

Without those monthly obligations, you could SAVE MORE, and NEED LESS to retire comfortably.

Click to get your free, confidential, personalized analysis. It takes less than 10 minutes. You’ll see your results instantly, with no obligation, no pressure, and no spam.

No worries. The site is secure and we don’t require sensitive information like account numbers or social security numbers.

Click here if you have an account but have not yet enrolled

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

Personalized Client Portal

Membership Dashboard

Professional Financial Coaching*

Escalated Financial Crisis Guidance

Contingency Modeling and Solutionizing

Dr. Rahaim's Podcasts and Book

*Not available in DIY Plan.

HUG plans start at just $39 per month*.

Retirement strategizing is included in our Coaching Plans which start as low as $79 monthly.

(see plan details below)

We build relationships based on trust!
No long-term contract. Cancel anytime.
*DIY plan price. DIY plans do not include retirement planning.

We want to HUG everyone!


  • 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 language, and video FAQs
  • On-boarding Zoom session
  • E-Book Debt or Alive by Dr. Frances Rahaim

More Details >


Sometimes Doing It Yourself just feels right. Still, you may benefit from professional guidance. For you we offer our DIY plan. With DIY you get video FAQs, and access to our interactive, dynamic Client Portal with debt and budget tools, plus a personalized Membership Dashboard area just like our other plans. The DIY plan does not include group or independent meetings.

Give yourself the best chance for success by choosing the right plan from the start. If DIY is a perfect fit for you great! If you want more support or price is driving your decision, don’t cheat yourself by being penny-wise and pound-foolish. We know adding a payment to your monthly outlay can be difficult but remember, this is the payment that helps you dig OUT of your current situation!

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Group Guided

Our most popular plan! You get everything in our DIY plan PLUS…

  • Scheduled group video coaching calls with Q&A sessions
  • Podcasts – Full access to episodes of Dr. Rahaim’s radio show “Financial Fitness with The Money Doctor.” Listen in straight from your Membership Dashboard. Nothing to download!

Members love this motivational support and guidance, to help keep their plans on track!

More Details >

Group Guided

Do you do best with structure and a sense of some accountability? Most of us do, which is probably why, along with its affordable monthly membership, Group Guided is our most popular plan.

You’ll receive knowledgeable support and guidance through conveniently scheduled group video meetings, plus access to an extensive library of video tips and tutorials, FAQs, webinars and podcasts so you can advance at your own comfortable pace. This plan helps you feel inspired, in control and motivated to stay on track.

Group Guided is right for you if…

  • Your needs include debt, budget and/or retirement planning
  • You are able to meet your minimum monthly payments or send extra
  • You do not have a complex situation needing one-to-one assistance
  • Are not in a financial crisis situation

Want more? Please consider our Full Financial Coaching plan.

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Full Financial Coaching

You get everything in the DIY and Group Guided plans PLUS…

  • Hands-on Retirement, Budget and Debt guidance and personalized planning.
  • “Solutionizing!” – Custom-tailored solutions for complex financial situations.
  • Private video sessions. Benefit from our special attention and personalized advice without having to pay hourly fees.
  • Direct contact with your personal HUG Financial Coach – 1-1 coaching support for one low monthly fee.

It’s like having a financial guru on retainer, but without the hourly fees! Imagine if your attorney or accountant offered such a service?

More Details >

Full Financial Coaching

The name says it all—”Full Financial Coaching.” Whether you want the top level of support so you can manage your finances like a pro, or you just need access to the Money Doctor’s unique problem-solving methods and strategies for a specific situation, this is the plan for you. Comprehensive debt, budget and retirement planning support with ”Solutionizing” (Dr. Rahaim’s specialty) for even the most complex situations. The more complicated it is, the more rewarding it is for us to help you. Let’s work together to find the most optimal outcome for your financial situation now and in the future.

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Our site is secure. We don’t ask for sensitive data like full account numbers or Social Security numbers.