{"id":5214,"date":"2025-08-24T23:00:16","date_gmt":"2025-08-24T23:00:16","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=5214"},"modified":"2025-08-26T20:29:36","modified_gmt":"2025-08-26T20:29:36","slug":"graduate-exclusive-john-lucie-w","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/graduate-exclusive-john-lucie-w\/","title":{"rendered":"Graduate Exclusive! John & Lucie W. Keep Their Home, Finance a New Jeep, and Continue to Beat the Odds"},"content":{"rendered":"\n
\n
\n

We interviewed John \u2014 Navy veteran, devoted husband, and dog dad \u2014 to hear about his and his wife (and co-client!) Lucie\u2019s experience with their Beyond Finance program and beyond.<\/p>\n<\/div>\n\n\n\n

\n
    \n
  • Debt Amount: $38,918<\/li>\n\n\n\n
  • Started: December 2019<\/li>\n\n\n\n
  • Graduated: June 2024<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n

    Can you tell us a bit about you and your wife?<\/strong><\/h2>\n\n\n\n

    I live in Idaho with Lucie. We\u2019ve known each other since seventh grade \u2014 we got married after our class reunion back in the \u201880s. We\u2019ve had quite the ride together: two kids, a house full of dogs (including a little Chiweenie named Dixie Rose), and more ups and downs than most couples go through in a lifetime.<\/em><\/p>\n\n\n\n

    I’m a Navy veteran and I also used to run my own company fixing printers and copiers. I made my goal in life \u2014 I wanted to earn a million dollars before I died. Ended up doubling that. Then 2010 hit and I lost everything \u2014 house, business, and half a million in savings.\u00a0<\/em><\/p>\n\n\n\n

    \n
    \n
    \n

    What happened to us \u2014 being able to find you to pull us out of that hole, was basically a godsend, you know? No other way to put it. <\/p>\n<\/blockquote>\n<\/div>\n\n\n\n

    \n

    Was there anything aside from that that led to your debt?<\/strong><\/h2>\n\n\n\n

    Later that decade we were doing OK again \u2014 Lucie was driving for Uber and I was a field engineer, and then in 2019, everything changed again. Lucie was diagnosed with breast cancer.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n

    We were on track to retire at 65, debt-free. That was the plan. But when Lucie got sick, I kept working to support us. Then my health started to go downhill too. I was walking down the hallway and suddenly I\u2019d just pass out \u2014 no warning. The VA couldn\u2019t figure it out.<\/em><\/p>\n\n\n\n

    My job told me I could either retire or get fired. I retired at 62 \u2014 earlier than planned \u2014 and suddenly all we had coming in was Social Security.<\/em><\/p>\n\n\n\n

    We still had our home, but we had just under $40,000 in debt. It was overwhelming. We were looking at possibly selling the house and moving into a trailer. Lucie said, \u201cI\u2019m not going to live in a trailer,\u201d especially not with all her medical needs. So we looked for a better solution.<\/em><\/p>\n\n\n\n

    How was your experience with us?<\/strong><\/h2>\n\n\n\n
    \n
    \n

    I went online and looked at a few companies. Beyond Finance stood out. The person I talked to really knew their stuff. They explained everything clearly, and I appreciated the transparency. I didn\u2019t want to file bankruptcy again \u2014 I\u2019d done that in 2010 and swore never again.<\/em><\/p>\n\n\n\n

    I was paying close to $1,800 a month just trying to stay afloat. Beyond Finance dropped that down to about $500.* It was still tight, but at least we had some breathing room.\u00a0<\/em><\/p>\n<\/div>\n\n\n\n

    \n
    \"\"
    Lucie and John pose in front of the brand new jeep they purchased.<\/figcaption><\/figure>\n<\/div>\n<\/div>\n\n\n\n

    What meant the most to me was the light at the end of the tunnel.<\/em><\/p>\n\n\n\n

    You graduated just over a year ago. What\u2019s happened since?<\/strong><\/h2>\n\n\n\n

    Lucie beat breast cancer \u2014 and then 4 years to the day of her diagnosis, she was hit with brain, lung, and bone cancer. But she\u2019s a fighter. The brain tumor was removed, the bone cancer is gone, and the lung cancer is stable.\u00a0<\/em><\/p>\n\n\n\n

    We\u2019re still in our home, and it feels good to say that. We\u2019re back to having about $1,000 of breathing room each month. I\u2019ve been able to replace things around the house that had been breaking one by one \u2014 the fridge, the washer and dryer, the dishwasher, and even the roof.<\/em><\/p>\n\n\n\n

    \n
    \n
    \"\"
    Lucie and John cheers in front of the home they’re thankful they were able to keep.<\/figcaption><\/figure>\n<\/div>\n\n\n\n
    \n

    We also financed a new car \u2014 Lucie\u2019s Jeep Grand Cherokee \u2014 and I\u2019ve been getting it ready to pull a trailer. We\u2019re planning a month-long trip across the South. Our first big stop: Memphis! Lucie\u2019s a huge Elvis fan, so we\u2019re going to see Graceland! We\u2019ve also got friends in Texas, Georgia, Tennessee we\u2019ll visit.<\/em><\/p>\n\n\n\n

    I haven\u2019t gone fishing in over four years. I used to love loading up my gear and heading to Idaho\u2019s rivers and lakes. Once we get the trailer set, I\u2019m going to start doing that again \u2014 me and my little dog, Dixie Rose. We haven\u2019t been able to travel much with all the treatments, but that\u2019s about to change.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n

    And emotionally? I\u2019m sleeping better. Less stress. More peace. And we\u2019re together, still in our home, and looking forward instead of backward.<\/em><\/p>\n\n\n\n

    What happened to us \u2014 being able to find you to pull us out of that hole, was basically a godsend, you know? No other way to put it.\u00a0<\/em><\/p>\n\n\n\n

    Real client compensated for a real story. Clients typically save around $480 per month on their debt payments.*<\/p>\n","protected":false},"excerpt":{"rendered":"

    Learn how these two co-client graduates have navigated everything that life’s thrown at them, including almost $40,000 of debt \u2014 and have come out the other side.<\/p>\n","protected":false},"author":11,"featured_media":5215,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[163],"tags":[],"class_list":["post-5214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-client-exclusive"],"yoast_head":"\nGraduate Exclusive! 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