Erase Credit Card Debt & Reclaim Sovereignty - Tommy Kilpatrick

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Episode 521 of Soul Elevation completely reframed how I look at money, banks, and what we casually call debt. My guest is Tommy Kilpatrick, a retired American now living in the Philippines who devotes his life to practical service. He teaches farmers how to build bamboo domes, grow food vertically, and create low cost community health clinics. His story is extraordinary and grounded at the same time.

We begin with his spiritual turning point. Tommy walked away from a successful life and chose a vow of poverty that lasted a decade. He wanted to know what it felt like to rely on faith and exchange instead of accumulation. That choice opened a path that led him to question fundamental assumptions about the financial system.

The heart of our conversation centers on credit cards and what Tommy calls alleged credit card debt. He describes how wording shapes reality in courtrooms and in our own minds. One key moment in his life came after he represented himself in federal court around $85,000 in credit card balances. Later, the accounts vanished from his report and he received no tax form related to canceled debt. That experience led him to study banking mechanics and develop a different way to speak about and address what so many people carry as financial burden.

I am not an attorney or financial advisor and this episode is not legal advice. It is an invitation to look more closely, to ask better questions, and to consider language as a tool for sovereignty. I felt a real shift during this talk. The mix of spiritual trust, practical courage, and community-first creativity was inspiring.

What we explore together

• How a faith-led life dismantled Tommy’s old identity and opened service to others

• Why word choice like alleged can change your relationship to credit card balances

• The difference between store invoices and bank-issued cards, and why that matters

• Sovereignty as daily practice, not a slogan

• Practical visions for resilient communities through food, shelter, and simple clinics

So many of us feel pressure around money. When we believe we have no choice, our nervous system tightens and our field shrinks. Conversations like this help restore agency. They reconnect practical steps with spiritual alignment. They also remind us that our language is creative power. I left this episode feeling clearer, calmer, and more able to act from truth rather than fear.

Tommy Kilpatrick offered to gift his book and a short consult to listeners who reach out. You can find him on Facebook under Tommy A Kilpatrick or use the contact details in the episode show notes.

If this conversation resonates, explore resources here at karagoodwin.com. You will find my book Your Authentic Awakening, free meditations, and details for upcoming summits and workshops designed to help you stabilize higher states in daily life.

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