You’re ready to                       once and for all.

     debt defeater


crush debt

your financial game plan

the secret and sneaky ways companies make it hard to become debt-free

Here’s Your Personalized 

my FREE debt payoff worksheet

my free workshop, The Debt Breakup

down the best and worst advice for paying off debt

our bestselling Debt Defeater course

Money Plan

step 3: FREE

This free tool will help you get everything in order. Organize your debt by interest rate, use the debt tracker to have a visual representation of your progress, and watch as you crush your debt with the debt avalanche method.

step 2: The Secret (and Sneaky) Ways Companies Are Keeping You in 

Paying off debt is hard enough — add in companies who keep you in the dark and try to make it harder for you to get ahead on your payments, and it can feel like a never-ending hole. Understanding this is such an important part of your debt-payoff journey because you need to understand that the system is rigged. Companies want you to fail so they make more money. The sooner you understand that, the easier it will be to eliminate shame from the equation.

The Wall Street Chads and finance bros have left women and minorities out of the investing world for far too long. Maybe investing seems intimidating, scary, or just plain boring — but this is where I need you to start in order to start making your money work for you.

step 1: Where do I Start? AKA the Financial

Step 5:  The Best and Worst Advice for

One of the most common questions I get from my followers is “HOW do I pay off debt?!” or “Should I even BE paying off debt?!?”. There’s great advice and equally awful advice out there from shaming and judgemental financial educators who are out of touch with modern financial issues that affect millennials and Gen-Z, specifically. We’ll run through a list of common debt payoff advice and separate the good from the shaming bullshit to help you take better control of your finances and kick debt to the curb.

step 4: the debt breakup

It's time to break up with debt the way you would a toxic ex — once and for all. In this hour, you'll learn about all of the lies the patriarchy has been feeding you about debt. We're flipping the script on debt payoff, banishing shame from the equation, and still living our lives unapologetically.


If you're tired of being told that debt is "just a part of life" and then handed shame instead of a solid game plan for paying it off, this course is for you. Learn exactly how to understand, make a plan, and pay off your debt once-and-for-all. Plus, you receive actionable homework, downloadable worksheets, and access to a Q&A with team HFK in the comments of each jam-packed module.



debt payoff worksheet


Get Our Bestselling Debt Defeater Course

debt payoff


It’s 100% your fault if you have debt

Your daily latte is keeping you in debt

You shouldn’t see the inside of a restaurant if you have debt

Chances are you may have heard…


that shit stops

“Tori presents information in a comprehensible, realistic, NON-JUDGMENTAL way that doesn’t make you hate yourself or the iced coffee you bought before work that morning.”


Hi, I’m


welcome to the movement.

I’m a globally recognized millennial money and career expert. 

After saving $100,000 at age 25, I quit my corporate job in marketing and founded Her First $100K to fight financial inequality by giving women actionable resources to better their money. 

Since then, I’ve helped over four million women negotiate salaries, pay off debt, build savings, and invest.

Because having a financial education is a woman’s best form of protest. 

No seriously, take a moment and reflect on your money wins. Celebrate them. And let us celebrate you too. Don’t have any? Don’t worry, you’re well on your way to making them.

I’m so proud of you!

TELL US your

money wins