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Welcome to PenniesToWealth.com

Where $MALL coins can

make a BIG change in your life..

Hi there, we’re Dj & Dannie!

We’re a 20’s something married couple that paid off $116,966 worth of debt. The financial mistakes we made along the way have taught us a few lessons. Our goal is to share what we’ve learned so that you can avoid some of the situations we had to deal with. If you want to crush debt and change your financial position, you’ve come to the right place!

Let us show you how we achieved:


Paid Off Debt


Income Saved Monthly


Month Fully Funded Emergency Fund



Why Are You Here?

I'm Lost

Unsure of where to start your debt freedom journey? Start with ``The Basics``..

I Need A Budget

Your budget shouldn't restrict you, it should simply tell your money WHERE to go.

I'm In Debt

Being broke & in debt is NORMAL. We'll show you how to be a little bit weird...

Military Financial Info

Money & military CAN coexist. Some of our financial issues are a little more specific.

I Want To Save More $$$

76% of Americans live paycheck to paycheck. Join the 24% that DON'T!

I Need Tools

Here are a few tools & resources you can use to jump start your financial journey.

Get the FREE budgeting spreadsheet we used to get rid of our debt when you subscribe to our email notifications!

New Posts

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As you’ve probably realized by now, we are very nontraditional when it comes to how we handle our finances. We don’t put a lot of stock into societal “norms”. You would be right if you assumed that the same is true for how we split......

Every time you look up, someone is trying to sell you on a different “get rich quick” scheme. You know the drill: You get invited to a friend’s house for dinner and it’s actually a sales pitch to convince you to join his ‘team’ at......

When it comes to having a successful relationship, you have to be on the same page about a LOT of things. Unfortunately, personal finance is an area that many couples struggle with. A common question we see is, “What should I do if my partner......