About YDF

Young And Debt Free is an active lifestyle of: 

         1.Financial Disciple 2. Self-Awareness and Fitness Fun. 

 mj-52-of-65MJ Bridges, the founder, is a 29 year old who discovered he wants to explore his passions. Thus, MJ declared to eliminate his non-mortgage debt to free up his life. After 4 long disciplined years, MJ has eliminated over $60,000 of personal debt. With $20,000 remaining, MJ declares to be Young And Debt-Free by Fall 2018.

Since eliminating debt, MJ’s overall happiness and peace level has increased. He believes his balance of financial discipline, self-awareness and fitness fun has created a this new joyful lifestyle.

MJ is a graduate of Alabama State University and the University of Indianapolis where he earned a B.S of Mathematics and M.A of Teaching, respectively.

MJ is dedicated to helping young people, specifically young professionals and college students become debt-free by sharing his debt-free journey and teaching successful strategies to avoid debt.


MJ is passionate about distance running, motivating people to overcome adversity, and finding ways to embrace positivity. MJ also enjoys dancing, traveling, networking and self-help activities. Furthermore, MJ’s favorite book is, “The Happiness Advantage.”

What is Young and Debt-Free? What Does it Represent? 

Young and Debt-Free  (YDF) is a lifestyle that inspires all to eliminate all non-mortgage debt and live passionately. 

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