#68. Ending the Cycle of Financial Debt–It’s not about the Math

Zamary Texeira found a path to financial freedom. She shares insights and offers advice for anyone who wants to get out of debt and stop the cycle from continuing in the next generation. She is now a Ramsey preferred coach, encouraging others on their own path to financial freedom.


  • What needs to happen before you call a financial coach
  • Why financial freedom is not about the math
  • How fear and shame work against financial freedom


I love teaching, encouraging, and leading people to improve their lives, so they can thrive. On mission trips, I have had the opportunity to coach individuals about budgeting and developing healthy decisions making skills around their finances. Then a few years ago, I began my own debt-free journey.

My ‘Get out of debt’ moment was realizing I wanted to change my family’s legacy. One day as I was paying my student loans, I noticed that my oldest son was a freshman in high school and I had only four years before he started college. I had nothing saved for his college, and still paying off my college debt. At that moment, my kids became my ‘WHY.’ This impacted and motivated me to change my money habits. I wanted to be debt free!

As I started my journey, I felt free from the control of money and debt. I started to make wise decisions and seized the opportunity to be debt free!

I wanted others to experience this goodness, I started helping family and friends. I found joy in seeing people accomplish their goals and living life to the fullest. I helped them navigate through unhealthy financial decisions that were controlling them and holding them back from being debt-free. As a single parent of two boys, I know the financial difficulties of raising and supporting your children. Today, I am blessed to have a husband and three stepchildren, but also know firsthand the financial struggles a blended family faces.

I enjoy the opportunity of teaching and guiding our five children about money, college, and staying out of debt.

​My background includes working as a Maritime Purchasing & Claims Agent, which includes monitoring operating costs and tracking budgets for vessels. I have a B.S. in Accounting from Monroe College and M.S. in International Transportation Management from SUNY Maritime College.

I have completed and certified in the Ramsey Solutions Financial Coach Master Training. Completion of Ramsey Solutions Financial Coach Master Training does not create an employment or agency relationship with Ramsey Solutions or its affiliates; it does not constitute a license or credentials to engage in legal, tax, accounting, investment, or other professional services; nor does it constitute an endorsement or recommendation of the Coach by Dave Ramsey.




01:07 – Topic: Building a Healthy Financial Future for You and Your Family

02:14 – Inspiration from Her Blended Family

03:18 – The Challenge of Paying for a College Education

04:39 – Do You Really Need to Cut Your Credit Cards?

07:01 – Getting the Entire Family Out of Debt and Becoming a Financial Coach

08:46 – Taking the First Step to Financial Freedom

10:52 – It’s Not about the Math

12:40 – Feeling Overwhelmed Each Christmas

14:22 – The Obstacle of Fear

15:59 – Unique Financial Challenges in NYC

17:59 – Free Options for Getting Out of Debt

20:53 – Freedom from Debt and Freedom in Christ

23:22 – The Best Advice for Getting Out of Debt

26:08 – Contacting Zamary

26:34 – Joke: Honk Honk


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