Out of Debt Express 4.0

8 weeks to see what keeps pulling you into debt — and how to break the cycle

Starts September 28, 2026Stream IV
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The Express Is for You If
01

You close your credit card and a month later you're using it again

02

You've lost count of how many installment plans are active right now

03

The courses you bought aren't finished, and you're starting the next one

04

You need to call, help, finish, reply — and you can't keep up

05

You say "yes" and pile up promises you don't keep

06

The list of unfinished tasks stretches back for years

Six different situations, one and the same cause.
The Most Expensive Myth About Debt
"I just need to earn more"

Sounds logical: a second job, a promotion, 2× income. And then you're in debt again.

Saving, cutting back, refinancing, taking on side gigs — these close the debt you have right now. They don't touch what creates it again.

Debt Isn't Only About Money

There are people with no loans who owe everyone. They promised and didn't deliver. They said yes when they wanted to say no. That feeling of owing doesn't go away no matter how hard you try. You can add more discipline, plan more, get better at saying no. That clears up the aftermath, it doesn't root out the cause.

It's Not About How Much You Earn, or How Well You Plan

The debt mechanism runs regardless of how much you earn or how packed your calendar is. And as long as it's active, you'll keep landing back in the debt trap.

There's a specific mechanism that keeps landing you, personally, back in debt. Until you know it's there, you can't spot it or stop it. That's exactly why this community exists.
The Out of Debt Express Route

8 weeks, 8 stations. At each one, you uncouple a weight that's been pulling you into debt — and the ride gets lighter.

I
Station I · Boarding
Your point A
II
Station II · The Handle
Where debt actually comes from
III
Station III · Seeds
The four laws
IV
Station IV · The Mechanism
How you personally create debt
V
Station V · Stockholm
Why being debt-free feels unsettling
VI
Station VI · Deficit
Why it never feels like enough
VII
Station VII · The Depth
Layer under layer
VIII
Station VIII · Light
Relapses and the way out
By the end, you see your debt mechanism clearly — how it fires, and how it can be stopped. This isn't a guarantee your debt is gone in 8 weeks. It's what keeps it from coming back, no matter what else changes. From there, you don't have to go it alone — the community carries you the rest of the way.
Format
Compartment shot (placeholder)
Woman in a train compartment with a notebook, an Express Out of Debt sign
Zoom sessions

Inna and Bill walk through the station, then you practice.

A compartment of 4–5 people

A small circle for 8 weeks. Between stations you meet on your own — working through things, supporting each other, keeping each other on track.

The weekly quest

The main task, wrapped in the story of a heroine whose debts look just like yours. As she works through her journey, you work through your own.

5 minutes a day

A small action or practice between stations.

2–3 hours a week— enough for this to fit into your life, not put it on hold for two months.

Station VIII · Light

By the end, you see your debt mechanism clearly — how it fires, and how it can be stopped. This isn't a guarantee your debt is gone in 8 weeks. It's what keeps it from coming back, no matter what else changes. From there, you don't have to go it alone — the community carries you the rest of the way.

Who's Leading This
Photo of Inna and Bill
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Inna and Bill McMichael
Inna McMichael

PhD in Medicine. For 25 years she's studied how the mind shapes what happens in life. Paid off $50,000 in debt and grew her income more than 5×.

Teacher of the cause-and-effect system behind the course. Graduate of Sedona College of International Management (USA). Coordinator of an international academic project translating philosophical texts, organizer of international conferences, publisher of worldview books. Together with her husband Bill, she founded a charity — support groups for people going through hard times.

Personal results: closed $50,000 in debt, grew her income more than 5×, moved to France and then to the US. Helped over 1,000 people in her programs get real results in their finances, and in how they relate to themselves and others.

Her core takeaway: in a person's life, nothing is quite what it looks like, and that's why people aren't as happy as they want to be. Inna teaches how to reach any goal ethically, without the stress or burnout, with self-respect intact.

Bill McMichael

Investor with a background in economics, and a pilot. Has practiced meditation for 25+ years, three of them in silent retreat.

Studied economics at the University of Virginia, one of the top schools in the US. Behind him: a career as an Air Force flight instructor and commercial airline pilot.

For years, one question stuck with Bill: why, under the exact same conditions, some people build wealth while others lose everything. He's spent 25+ years studying how the mind shapes what happens to a person. He completed the full meditation training cycle, capping it off with a three-year retreat.

Today, Bill teaches meditation to entrepreneurs, executives, and creatives — as a tool that trains the mind and has a direct line to success.

People Who've Already Ridden This Route
Maria S.
Maria S.

Chronic debt dragged on for years. Everything changed when I realized: debt is my addiction. I tracked the habit of putting things off — they'd pile up, and that feeling of "I owe this" kept generating debt. Closed $4,000 in 3 months.

Irina K.
Irina K.

I paid off the mortgage, the loans, the credit card, went a couple of months debt-free — then landed right back in it. On the course it hit me that debt is an addiction; I fought that idea for a long time. I actually relapsed mid-course, debt piled back up. But over the next year I closed everything — a big apartment loan I'd taken out for 4 years, paid off 2 years early.

Irina B.
Irina B.

20 years in business, I thought debt was just normal. Stopped sleeping well, running numbers on how to pay it all back. Closed over $20,000 in six months — now I run my business debt-free and I'm expanding.

We're forming our 4th cohort now.

"For almost a week now I've been planting seeds, putting off the moment I'd 'go into debt,' not touching a cent of my savings. It used to feel almost impossible." — Tatiana T. "I've started spending more carefully, almost without trying. Three times this month I didn't take groceries on credit from suppliers — that almost never used to happen. Though today I slipped up over something small, but I took a lesson from that too." — Tatiana T. "I noticed: when I reach for the credit card not for treats but because I genuinely can't cover groceries, it actually helps me stop pinching pennies — I end up treating others, inviting guests over instead. When I keep my focus on my loved ones feeling good, the money for what's needed just shows up." — Yulia G. "I used to be afraid to keep a large sum on my card. I got two cards: one for everyday spending, another for larger income, kept at home. Money started feeling safe, instead of like something I had to spend fast." — Yulia G. "I decided to stop carrying one of my credit cards around at all — left it on a shelf at home and forgot about it. For me that's already a powerful step." — Lyubava O. "I got answers to a lot of questions, and it lifted a weight off my mind." — Alyona M. "For almost a week now I've been planting seeds, putting off the moment I'd 'go into debt,' not touching a cent of my savings. It used to feel almost impossible." — Tatiana T. "I've started spending more carefully, almost without trying. Three times this month I didn't take groceries on credit from suppliers — that almost never used to happen. Though today I slipped up over something small, but I took a lesson from that too." — Tatiana T. "I noticed: when I reach for the credit card not for treats but because I genuinely can't cover groceries, it actually helps me stop pinching pennies — I end up treating others, inviting guests over instead. When I keep my focus on my loved ones feeling good, the money for what's needed just shows up." — Yulia G. "I used to be afraid to keep a large sum on my card. I got two cards: one for everyday spending, another for larger income, kept at home. Money started feeling safe, instead of like something I had to spend fast." — Yulia G. "I decided to stop carrying one of my credit cards around at all — left it on a shelf at home and forgot about it. For me that's already a powerful step." — Lyubava O. "I got answers to a lot of questions, and it lifted a weight off my mind." — Alyona M.
Ticket
№ 0004
Passenger Ticket
$250 for the whole route
Departure 28.09.2026 Stream IV Duration 8 weeks
What's Included
  • 8 station sessions with Inna and Bill
  • A compartment of 4–5 people for 8 weeks
  • Daily micro-tasks and the weekly quest
  • All the meditations and practices
  • Private support chat
  • An invite to the alumni community once you cross the finish line
Reserve your seat on the train →

Installments available: two payments of $125.

Questions
I don't have any loans — do I need this course?
You might not have loans, but you've still got debt: promises, unfinished things, other people's expectations. The course treats debt as a recurring mechanism, and money's just the clearest example of it, not the only one. Everyone builds their own point A out of their own situation — for some it's a bank loan, for others it's a list of broken promises. And once the course ends, you're not on your own: there's a community of people who've been through the same thing.
I already know the seed system — will there be anything new for me?
The seed system explains why debt shows up at all. This course goes deeper: Inna and Bill break down the exact algorithm you use to create debt again, even once you know the theory. Knowing the cause and actually being able to stop the mechanism are two different levels of work.
What if I miss a session?
A recording of every station stays on the platform. Compartments meet separately, and participants pick a time that works for them.
What do I do if my payment doesn't go through?
Message the Care Team— a real person will get back to you and help sort out the payment.

The train departs September 28

Reserve your seat
The train departs September 28 Reserve your seat