The most recommended tools you need to handle your money (and your life).

Welcome to the Debt Free Millennials Resources page!

I have included a list of tools, products and services that are here to help you on your debt free journey. If you feel like you’ve been wasting time worrying about money instead of doing something about it, you are in the right place. I have personally used and tested each recommendation on this page. I update this page frequently so you’re getting the most up-to-date list every time you return, so bookmark this page for future reference.

Before you jump in, please read this important disclosure:

The list below includes some affiliate links, which means by clicking on one of these links and making a purchase, I will earn a commission at no additional cost to you. My experience with these tools, products and services are something that I value because I found them personally helpful in my debt free journey, and I hope you do, too. Please do not purchase something unless you feel they will help you achieve kickass ninja money status.

debt free millennials justine nelson

🎬 Debt Free Millennials YouTube Channel

I share quick tips on how to get out of debt and save money. Plus, I talk about beer, travel, and interview some really amazing millennials on the channel!

💻 Debt Free Millennials Budget Toolkit

Includes the exact budgeting spreadsheet that I use to track my monthly income and expenses, plus a few debt free progress charts to keep your debt free goals top of mind.


I primarily use to track all cash, investments, net worth and credit score through this platform. It’s free and you can sync all of your financial accounts so you can get a quick snapshot of all assets.

✅ Debt Free Progress Charts

Our printable debt free progress charts are great for people who like to see visual progress on the debt free journey. Download a chart for free and color in a line every time you make a payment. My debt free progress chart was a great tool to keep me motivated to pay off debt!

🤓 Debt Free Millennials Blog

Read how other millennials are successfully paying off debt, plus money tips and tricks from yours truly!

✏️ Survey Junkie

Make quick cash taking online surveys with Survey Junkie. While you may not be able to bring in hundreds of dollars each month, you can easily support your coffee addiction with money made here.


👊The Freedom Project: How to Slash Your Debt and Stay in Control with Your Money

This is the flagship course for Debt Free Millennials. This is a crash course in:

  • Understanding how your brain works with money
  • How to save for an emergency
  • How to setup and use a monthly budget
  • How to pay off debt using one of two methods

The Freedom Project was designed to get you on the right path financially so you can live life with #noregrets.

Debt Free Mindset Mini Course

If you want to learn why you think about money the way you do and how to stop beating yourself up every time you see a beach photo without you in it (FOMO anyone?), enroll in the Debt Free Mindset Mini Course for free! This is an intro course to prep you for the Foundations Course.


Think and Grow Rich by Napoleon Hill

MY FAVE BOOK. Seriously. This book has actionable steps at the end of each chapter to help you achieve whatever you want in life. My mind was seriously blown at how good I became at setting out plans for my desires.

⚡️ The Millionaire Next Door: The Surprising Secrets of America’s Wealthy by Thomas J. Stanley and William D. Danko

I loved learning about habits of millionaires in this book. It’s written in the ’90s but it’s still relevant today.

The Little Common Sense Book of Investing by John C. Bogle

Hands down, the best book on investing I have ever read. Bogle keeps the language simple and the book is only 216 pages.

🤝 How to Win Friends and Influence People by Dale Carnegie

If you ever wanted to be a better conversationalist, you better read this book. I learned so much about communication. This is a must read for everyone!



I had braces back in high school and like most 18-year-olds, I quit wearing my retainer. Nerd alert! I recently completed a five month treatment with SmileDirectClub that gently moved my teeth back to the straight and narrow.

✈️ NextVacay

If you enjoy international traveling, do it on the cheap! NextVacay is a paid email subscription that emails you about deals on international flights leaving out of your home airport.

Chase Freedom

Chase is the only credit card company that I use for personal and business expenses. If you’re new to credit cards, check out the Chase Freedom card. There are quarterly cash back incentives, plus you can build up points to use for travel. If you typically put more than $200 per month on a credit card, this option might be good for you.

Chase Sapphire Preferred

If you already have experience using credit cards responsibly, i.e. you pay off your bill in full every month, check out the Chase Sapphire Preferred card. This is a step up from the Freedom card. No fees for using internationally, and earn 2x points on travel and dining. If you typically put more than $1,300 per month on a credit card, this option might be good for you.

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