MOST FAMILIES LIVE PAYCHECK TO PAYCHECK, EVEN ON MULTI-SIX-FIGURE INCOMES—DON’T BE ONE OF THEM
Eliminate debt, build freedom, and regain control of your money without extreme frugality, spreadsheet obsession, or financial shame.
EVEN IF YOU’RE STARTING WITH OVERWHELMING DEBT
12-Week Transformation • Limited Seats • Start Today
The Drive Away Debt Plan
Here’s What You’ll Learn
➡️ Why obsessing over your numbers too early kills your momentum and how to build awareness, purpose, and emotional readiness first.
➡️ Why discipline alone never fixes overspending and how to recognize cravings, manage stress, and spend from calm, not compulsion.
➡️ How to build a simple money system that runs in the background through budgeting, forecasting, and automation that creates clarity automatically
➡️ Why most financial plans collapse the first time life gets hard and how to pressure-test yours so it works in the real world.
➡️ How to lead your family into financial alignment without conflict or control through communication and modeling.
➡️ Why paying off debt isn’t the finish line and how to build habits and systems that protect your freedom for life.
Choose Your Route to Freedom
Every dad’s journey is different. Whether you want a roadmap or a riding partner, these plans meet you where you are and get you moving faster.
Solo Drive
Access to everything you need to build momentum and stay consistent:
Full 12-week DAD Plan curriculum with lessons, videos, exercises, tools, and templates to help you become financially free
1:1 coaching session (1 hour)
Access to bi-weekly office hours for live Q&A, accountability, and help applying the material to your real life
Next-day email replies with answers, guidance, and support whenever you hit a roadblock
Solo Drive gives you the full roadmap and ongoing support — all at your own pace.
For independent drivers who just need a map.
Full program access—no call required to start
Budget Tune-Up
For drivers who want hands-on help building a real working budget.
Dive into the Gears & Systems phase of the DAD Plan (Weeks 5–7) and leave with a fully built financial engine you can maintain on your own.
Two 1:1 coaching sessions (1 hour each) to build your budget and organize your spending
Three-month statement review so your numbers are clean and accurate
A personalized Cash Flow Forecast, Net Worth tracker, and Financial Health Dashboard
Clear training on how to update everything going forward
Built for drivers who want a simple, numbers-first starting point.
No call required—get started instantly.
Team Drive
Everything in Solo Drive, plus high-touch guidance, accountability, and direct support every step of the way.
Six 1:1 coaching sessions (1 hour each) scheduled at your own pace throughout the program
Weekly office hours for deeper discussion and support
Weekly written feedback on your exercises and reflections
Slack support for quick response
Priority email replies
Private community forum to connect and share wins with other drivers
Perfect for dads who want structure, support, and a coach in their corner every week. This is the most hands-on way to work with me.
For those who want a co-pilot on the road to freedom.
Premium coaching + weekly support. Let’s talk through your goals. Team Drive spots are limited so I can support everyone personally.
The DAD Plan
A 12-week curriculum to financial freedom.
This is the system I’ve been developing since 2011. It’s the way I paid off $90k of student debt in seven months, paid off our mortgage, and achieved CoastFIRE.
It works.
Hi, I’m Joe Mihalic.
I envision a world where people make decisions based on their values, not their net worth.
The reality is that debt traps us in lives that we never imagined for ourselves. I know, because I’ve lived it.
In 2009, I graduated with $101k of student debt and a job I didn’t love. I couldn’t see a way out.
After making minimum payments for two years, I challenged myself to pay off the debt in ten months. By completely rewiring my mindset, emotions, habits, and financial system against a backdrop of radical accountability, I paid off the $90k balance in only seven.
I went on to pay off our mortgage and fully fund our retirement.
Then I quit Apple after 13 years to focus on my family and coach others to find that same freedom.
Financial freedom creates space for what matters most: your health, your family, your dreams. You deserve it. You can have it. I’ll show you how.
Several major news outlets covered my successful mission to pay off $90k of debt in seven months. I heard from countless people who said it inspired them to pay off their debt.
Today, I’m not just an inspiration. I’m a coach.
I’ve codified the system that took me out of debt and into the news—and I’ll teach it to you.
From Inspiration to Coach
This Is What Happens When You Commit
Here’s What You Can Expect from The DAD Plan
Before The DAD Plan
❌ $200K household income and still checking the account before big purchases.
❌ Credit cards carrying a $30K balance “temporarily” for the third year in a row.
❌ A mortgage that feels like a weight.
❌ Promotions at work, but no measurable financial freedom.
❌ Lifestyle upgrades that quietly outpace income growth.
❌ The uneasy thought: If one thing goes wrong, I’m not sure how we’ll get through it.
After The DAD Plan
✅ Cash flow that works before the month even starts — with every dollar assigned on purpose.
✅ Credit cards paid off — and kept that way because your system makes backsliding unlikely.
✅ A mortgage integrated into a real long-term wealth strategy, not just a payment schedule.
✅ Clear financial margin built into your life — so unexpected expenses don’t create panic.
✅ Spending aligned with your values and long-term vision, not short-term momentum.
✅ The confidence of knowing your income is finally building freedom instead of maintaining lifestyle.
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Yes, the DAD Plan is designed with dads in mind because they’re often underserved, but the tools and coaching help anyone who wants clarity, confidence, and control over their money.
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They’re welcome but not required. Some people want to complete the foundations first, then bring their partner into a later session. Either way works.
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Yes. You’re welcome to purchase additional 1:1 sessions at any point in the program, regardless of the plan you signed up for.
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Yes, you can upgrade anytime. I’ll help you transition smoothly.
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Absolutely. I’ll walk you through every tool step by step, and nothing requires advanced Excel skills. If you need extra help, you can always book a 1:1.
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No, the whole point is to meet you where you are and build from there.
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You’re not alone. Most people feel that way at first. This is a judgment-free program, and you’ll be met with respect and encouragement every step of the way.
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Yes. Many clients come in feeling stuck or overwhelmed. The program breaks everything down into simple steps you can actually follow.
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All lessons are in your member area. Phases unlock one at a time, and each new phase brings its own set of lessons, tools, and downloads.
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Plan for a few hours each week at most. Some modules are quick; others ask you to slow down and spend more time with your numbers. Don’t worry about keeping a perfect pace, it’s built so you can pause when needed and return without losing momentum.
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Once you sign up, you’ll have lifetime access to the course materials, including videos and templates.
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They’re pre-recorded so you can go at your own pace, but you’re encouraged to bring questions to office hours or schedule a 1:1.
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If the 12-week DAD Plan isn’t meeting or exceeding your expectations by week four, I’ll give you a full refund.
FAQ
Click here for the full FAQ.
