Most high-income households think they have to choose between eliminating debt or building capital for the future. The Debt2Capital® Method shows how the dollars you're already spending can help you do both at the same time.
As featured in Insurance NewsNet Magazine
Meet Your Agent
Michael Cristan
Abilene, TX
- Phone: 8064128464
- Email: miikecristan@gmail.com
When the world shifted during COVID-19, I lived the reality that so many of my clients face. I knew the heavy, suffocating weight of job loss, sudden debt, newborn child, child care and rising medical bills. As a husband, father, son, brother, and uncle, my deepest instinct has always been to protect the people I love. But in the middle of that financial sea of turmoil, I realized that traditional financial advice was failing us.
I watched good, hardworking families try to starve their way out of debt. They were trading dinners out for ramen noodles three times a day, only to empty their bank accounts to zero and fall right back into the same exhausting cycle of high-interest borrowing. They were held hostage by interest rates that made other people rich. That's when I knew things had to change. I refused to let my family, or the families and business owners I serve, live at the mercy of a broken system.
To me, Debt2Capital® means absolute freedom. And with freedom comes an undeniable peace of mind. As the CEO of my life and my insurance and retirement business, my mission is to act as a lighthouse for those navigating financial storms. Whether you are an individual protecting your family, a self-employed risk-taker, or a business owner managing a large team, I am fighting for you. I am fighting for your spouse, your children, your grandchildren, and your parents.
Debt2Capital® is the vehicle that allowed me to pay off my mortgage in ten years instead of thirty, buy vehicles without traditional auto loans, and fund my child’s college tuition. It taught me how Albert Einstein’s "eighth wonder of the world"—compound interest—actually works. By leveraging built-in cash value, we stop paying the banks and start paying ourselves. We protect the money we work so hard to earn and keep it where it belongs: in our pockets.
You matter, and your sacrifice matters. Life is full of surprises, but you deserve a true backup plan. Debt2Capital® is not about deprivation; it is about empowerment. It is about rewriting your story so completely that you change not only your own life, but the lives of your children’s children. Together, we aren't just surviving—we are building true, generational family legacy wealth.
I help people with debt in:
I'm here, I've reviewed this method inside and out, and I'm ready to make it work for YOU. Let's find out what your numbers look like - no cost, no commitment, just answers.
Haven't Read the Book Yet?
Watch this first.
It'll show you exactly what the Debt2Capital® method is and why it works differently than anything else you've heard about getting out of debt.
Ready to Get Your Free Digital Copy?
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Already Read the Book?
Here Is Your Next Step.
Here's what the process looks like once you're ready to see your own numbers:
Submit Your Info
Fill out the short form below with some basic details about your situation. I'll reach out personally to introduce myself and walk you through what happens next.
I Run Your Numbers
Once we connect, I'll send you a secure link to authorize a soft credit pull — it gives us a clear picture of your full debt situation without touching your score. From there, I put together a personalized Debt2Capital® analysis: exactly how fast you could be out of debt, how much interest you'd stop paying, and how much capital you'd have built by the time you're done.
We Look at It Together
You review the results. No pressure, no pitch. You don't have to do anything just to see what's possible. Most people are surprised by what the numbers actually look like.
Let's See What Your Numbers Look Like
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What This Method Actually Does
Every situation is different - your numbers will be yours. But here's what the Debt2Capital® system is built to accomplish:
Pay Off Faster
Most people using this system get out of debt years ahead of the bank's schedule, without spending more than they already do each month.
Keep The Capital
When you're done, you don't end at zero. You've been building a capital reserve the whole time - money you own, that you can use for the next big purchase without taking another loan.
Flip the Equation
Right now compound interest works against you. The D2C method puts it to work for you instead. That's the whole idea.
Prefer to Talk First?
That works too!
Pick a time and we'll have a real conversation about your situation - no pressure, no pitch. Just an honest look at whether this makes sense for you.