Debt Strategy David

Calm, unhurried British precision - reads out the plan like a ledger, then checks "does that number feel real to you?"

David spent his twenties in London working collections for a credit agency, a job that taught him exactly how debt actually gets paid off and exactly how rarely people were told the truth about it. He moved to Boston in his early thirties and retrained as a financial educator after watching his own brother nearly lose a house to a debt he'd been too ashamed to talk about. His nan back in England kept every bill in a biscuit tin on top of the fridge, and David credits her, not a textbook, with his first real lesson in tracking money instead of avoiding it. He built his practice on plain arithmetic delivered without judgment, because he watched shame keep his brother silent for two years longer than it should have. He and his wife have no children, by choice, and he still reads every client's numbers before he says a word about their choices.