Our Story
$192,000 in Debt.
Zero in 7 Years.
Marray and TK Harris didn't start from a place of financial confidence. Early in their marriage, they were staring down $192,000 in student loan debt — on top of a mortgage and car payments. It felt impossible.
But over 7 years, grounded in faith, discipline, and a God-honoring plan, they paid off every dollar. The student loans. The cars. The house. All while giving generously and building a life they were proud of.
That journey is the reason Heart & Wallet Institute exists — because they know firsthand that financial transformation is possible for anyone willing to get aligned.
$192K
Student Loans Eliminated
7
Years to Debt Freedom
3
Debts Cleared Simultaneously
💍
Year 1 — The Honest Starting Point
Married and staring at $192K in student loans, a mortgage, and car notes. A financial statement shared before the wedding — accountability from day one.
📋
Year 2–3 — The Plan Takes Shape
Built a biblical budget. Committed to consistent giving. Started attacking debt with a clear, written strategy rooted in stewardship, not scarcity.
🚗
Year 4–5 — Cars Paid Off
Both vehicle notes eliminated. Every freed-up dollar redirected toward student loan principal with focused intensity.
🏠
Year 6 — Home Paid Off
Debt-free homeownership achieved. A milestone most people never reach — accomplished ahead of schedule through intentional, faith-driven planning.
🎉
Year 7 — Student Loans Gone
The final $192,000 eliminated. Heart & Wallet Institute founded to share this framework with every household that needs it.
