Graduate Exclusive! Kayla S. Feels “Reborn Financially,” With Savings For Her Business, Plans for a New Car, and Quality Family Time
We interviewed Kayla — mom, kickboxer, and business owner — to find out about her journey and how life’s been since graduating from her Beyond Finance program.
- Debt Amount: $18,176
- Started: February 2023
- Graduated: May 2025
Can you tell us a bit about yourself?
We live in Pagosa Springs, Colorado. It’s super pretty — big old mountains. My husband and I own a construction business. We’re going on almost 10 years! I deal with the office stuff and he deals with the field and the customer. It’s a pretty good tradeoff.
We have three kids: a 12-year-old, an 8-year-old, and a 5-year-old, so I’m busy every day.
We both kickbox and box, and the kids do jiu-jitsu, so we all do that as a family together! And we love to go to the mountains.
How did you find yourself in debt?
I was doing really, really well for a long time. And then we decided we were going to move, and the moving expenses started to pile up. You’re like, “Oh, I’ll put it on the credit card and I’ll pay it off.” But then something else comes up and something else.
It definitely was life-changing to call and be understood and feel like there was a solution.
I never was behind on payments, but it was getting more difficult to sustain it, especially during our lower income months. With construction, sometimes it’s feast and famine.
Before I knew it, I was almost $20,000 in debt, and I’m like, “Holy cow, when did this happen?” It was just a small snowballing over the years.
With the credit card and paying it, you can’t ever get ahead of the APR. You’re never going to get past 25, 28% APR. It’s literally like a hamster wheel — you’re like, “Oh right, I put $500 on this one payment and it didn’t even make a dent.”
We have to work hard for that $500 — that’s many, many hours away from our family.
How was your experience with us?
I found Beyond Finance through some Google searches. I did extensive research because I didn’t want to file for bankruptcy.
The helpfulness and understanding of your team really did help me make the right decision in pursuing Beyond Finance because I felt like I wasn’t being judged, and that there was a solution to my problem.
It definitely was life-changing to call and be understood and feel like there was a solution.
I was probably spending between $500 and $600 — trying to keep up with my credit card bills. I think with Beyond we got it down to around $300. It gave me a little more room to use on the kids and not be so stressed out. As time went on, you have that little bit more in your pocket.
It felt really good getting on the app and looking at my progress — it really did give me a sense of relief knowing that I was getting somewhere.
What did graduation feel like?
It was amazing. I think I was able to finish a little bit early by putting a good chunk of change in the program from some stuff that we had sold.
It felt really good because we had been paying for so long that you feel like you’re never going to get to the end, and then all of a sudden you’re there.
It was a surreal moment, but it felt really, really good too.
A new car will probably be our next finance venture! And we’re able to spend a little more time family-wise and enjoy a little more.
And we’re finally able to get a little ahead, and I finally have a decent amount of money in my business account!
We’re advancing more in our business and making better moves because we’re utilizing our money differently and thinking about money differently. And I do see more success in my future with this mindset!
Beyond Finance gave me a chance to be reborn financially so that I can make my money work for me and not so hard for it.
It was kind of like a saving grace so that I could understand what mistakes I was making and how not to make them anymore.
Real client compensated for a real story.