The Workbook


Imagine eliminating all your debt in 20% of the time without getting a part-time job or working overtime. This workbook is designed to show you how to erupt your debt and still enjoy living! You will become aware of who is getting your money and why, while using the instructions to develop a plan of action that will change your live immediately. The Four Legs of Balance Concept- The Leg of Awareness, The Leg of Freedom, The Leg of Retirement and The Leg of Savings, all have their own unique purpose in instructing you on your final journey of exploding your debt once and for all.



Everyone wants the formula for getting and staying out of debt. In, The Volcanic Eruption of Debt, you will learn not only how to become debt free but develop an awareness of why it’s taking so long for it to happen! This book focuses on how you behave with money and instructs you on what it takes to make your money work for you without having to get a part-time job or work insane hours of overtime.

You will learn:

  • What your real spending behaviors are with money.
  • How to use money you already spend to eliminate debt in 20% of the time.
  • How to eliminate debt without getting a part-time job or working overtime.
  • How to max your contributions toward your retirement account.
  • How to develop the appropriate discipline in spending while still enjoying life.

Each chapter brings you closer to an awareness of how your money works. In the end, you will have a real vision for how to create your own Volcanic Eruption of Debt.

Timothy McCleskey, Jr. is a Financial Benefits and Retirement counselor, conducting seminars across the U.S. with Federal agencies such as the IRS, Bureau of Prisons, Social Security Administration, Office of Veterans Affairs and others. Tim received a bachelor’s degree in Psychology from Tennessee State University. As a consultant, Tim spends time working with individuals on how to create more opportunities to build wealth by changing behaviors with money. For more information, please visit

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