{"id":5360,"date":"2025-10-03T17:56:01","date_gmt":"2025-10-03T17:56:01","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=5360"},"modified":"2025-10-03T17:57:05","modified_gmt":"2025-10-03T17:57:05","slug":"graduate-exclusive-veteran-gary-h-retires-early-buys-a-pool-and-volunteers","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/graduate-exclusive-veteran-gary-h-retires-early-buys-a-pool-and-volunteers\/","title":{"rendered":"Graduate Exclusive! Veteran Gary H. Retires Early, Buys a Pool, and Volunteers"},"content":{"rendered":"\n
\n
\n

We interviewed Gary to learn how he went from carrying nearly $60,000 in debt to retiring early and enjoying the simple joys of debt-free life \u2014 like volunteering with the Salvation Army, relaxing by his new backyard pool, and taking the whole family on vacation.<\/p>\n<\/div>\n\n\n\n

\n
    \n
  • Debt Amount: $57,139<\/li>\n\n\n\n
  • Started: May 2023<\/li>\n\n\n\n
  • Graduated: November 2024<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n

    Can you tell us a bit about yourself?<\/strong><\/h2>\n\n\n\n

    I live in Missouri with my wife and I spent 20 years in the U.S. Army \u2014 I was an MP, military police. We were kind of the jack of all trades: law enforcement on base, securing convoy routes, combat support. When I retired from the military in 2004, I wrote and developed training at the military police school. Then, my wife and I both went to massage school and opened our own spa.\u00a0<\/em><\/p>\n\n\n\n

    I\u2019ve got two daughters, and they\u2019ve given me three grandsons. The oldest is three, then a two-year-old, and a newborn born in May.<\/em><\/p>\n\n\n\n

    We love being outdoors. We\u2019ve got kayaks, and now we\u2019ve got a pool at the house, so that\u2019s our new hobby: sitting poolside.<\/em> I also volunteer with the Salvation Army. I help with disaster response. It\u2019s work that really fills my soul!<\/em><\/p>\n\n\n\n

    How did you find yourself in debt?<\/strong><\/h2>\n\n\n\n
    \n
    \n
    <\/div>\n\n\n\n

    It was just bad financial decisions. You\u2019d think we would\u2019ve learned \u2014 we\u2019ve done this a couple times. We\u2019d refinance to consolidate, and then we\u2019d go back out and spend. Wash, rinse, repeat.<\/em><\/p>\n\n\n\n

    Things look affordable when you look at them as individual payments. But then all those payments pile up. It was always, \u201cThe bright shiny object won out one too many times.\u201d<\/em><\/p>\n\n\n\n

    It felt daunting. We were living paycheck to paycheck. No savings. If there was an emergency, we had to turn to a credit card.<\/em><\/p>\n\n\n\n

    We were close to retirement, and we knew the debt was what was keeping us from it. We had equity in our home \u2014 that was the one thing we had going for us \u2014 but the rest was holding us back.<\/em><\/p>\n<\/div>\n\n\n\n

    \n
    \"\"
    Two of Gary’s grandsons enjoying the backyard pool he and his wife paid for in cash after graduating from Beyond Finance.<\/figcaption><\/figure>\n<\/div>\n<\/div>\n\n\n\n

    What was your experience with Beyond Finance like?<\/strong><\/h2>\n\n\n\n

    I was actually looking into another consolidation loan, and I didn\u2019t qualify because of my debt amount. They referred me to Beyond Finance. I wasn\u2019t thrilled with the idea at first, but we didn\u2019t have a lot of options. <\/em><\/p>\n\n\n\n

    Everyone I talked to just seemed trustworthy. I leaned into that and let them do what they do best. It was cool! The dashboard on the app made it easy to track everything. I\u2019d see one debt down, then the next not too far off.<\/em><\/p>\n\n\n\n

    I\u2019m kind of a geek \u2014 I made an Excel sheet with formulas to track payoff scenarios. Honestly, it got fun! It was motivating. You could see the light at the end of the tunnel \u2014 and for once, it wasn\u2019t a train.<\/em><\/p>\n\n\n\n

    \n
    \n
    \"\"
    Gary and his fellow Salvation Army volunteers making a plan of action for disaster response. He’s grateful that he’s been able to retire early so he can spend his energy and time towards something that “fills his soul.”<\/figcaption><\/figure>\n<\/div>\n\n\n\n
    \n

    What was graduation like and what\u2019s happened since then?<\/strong><\/h2>\n\n\n\n

    Oh, that was a victory lap. I just turned 60 in August, and I didn\u2019t want to be doing massage past that age. Beyond helped us hit our retirement target a year early.<\/em><\/p>\n\n\n\n

    Everything has changed since graduation. My credit score is back up to 750 now. We paid off our debts and paid cash for a pool. We also paid cash for a new car. We take big family vacations every year \u2014 Colorado, Montana, next up is the Smokies for my wife\u2019s 60th!<\/em><\/p>\n\n\n\n

    We\u2019re giving to our church. We\u2019re helping our kids when they need it. We\u2019re paying ourselves in savings. No more going in the red \u2014 we\u2019re building the other way now.<\/em><\/p>\n\n\n\n

    Now I have the time to volunteer. I can jump on a plane whenever the Salvation Army needs me. I can help during hurricane season, drive trucks, unload warehouses, whatever\u2019s needed. That kind of time and freedom? It doesn\u2019t exist when you\u2019re buried in debt.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n

    Our financial habits have definitely changed. If we don\u2019t have the money, we don\u2019t buy it. We each have one credit card and we pay it off every month. They\u2019re paying us in points now. I haven\u2019t paid a cent of interest in over a year.<\/em><\/p>\n\n\n\n

    We\u2019re not perfect, but we\u2019re aware. And when we do start spending a little more than we should, we catch it. We know the warning signs. We\u2019ve been on the other side, and we\u2019re not going back.<\/em><\/p>\n\n\n\n

    And the pool? I can\u2019t tell you how many times we\u2019ve said, \u201cThis is so much nicer knowing we paid cash.\u201d<\/em><\/p>\n\n\n\n

    Beyond Finance equipped me to be financially responsible \u2014 and free.<\/em><\/p>\n\n\n\n

    \n\n\n\n

    <\/p>\n\n\n\n

    Real client compensated for a real story.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

    Meet Gary, veteran, loving father, and devoted grandfather, who overcame nearly $60,000 of debt, and is now giving back and spending his downtime poolside!<\/p>\n","protected":false},"author":11,"featured_media":5361,"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-5360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-client-exclusive"],"yoast_head":"\nGraduate Exclusive! Veteran Gary H. 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